BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: AR Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: DISCOVER BANK
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I got my check stolen on XX/XX/2016.it belongs to my discover saving account ( XXXX ), the check no is XXXX.i talked with discover fraud department.they said if I donot file police report, I would not get my money back.Then when I file police report, the police said they need my check info.however, discover bank shut down my former account, I could n't see all of former information of my account.i contacted with them more than 20 times. 
First, discover bank said XXXX fraud liability ... why I could not get my money back? 
Second, some of my coworker has the same issue, they all get their money back? why I could not? 
Third, if they donot give me my former account info, how can I file police report?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: Thaxton Investment Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had made a deposit to my investment bank checking and because it was fro an attorney and not a direct deposit they have to hold the check several days until it clears their bank. In the interim my payment I had sent to Heights Finance came through and did not clear. So I got notice of it from my bank and called Heights to tell them and the assistant said I would have to wait until it comes back to them to pay it as I was going to pay it by phone the same day. Several days later she called and said it had been returned but also informed me they only accept payments by check, no debit cards. I have never in my life heard of anyone only taking checks and I used to be an XXXX XXXX at that very location. I then asked to speak to the XXXX about it and she called me back on my lunch and said them at is the case, no other way to pay. I told her I would just pay it on their site again with a check than. I also told her it would be easier to just walk it in and asked if they have a location in XXXX where I work. She said yes they do and that they could take the payments for me there. I told her I just wanted to move the account to the XXXX location and she said they cant do that. I know they can because every loan company does so. I just moved my other loan I have to XXXX too. She just doesnt want to lose the account. She has already lost my future business anyway as she and her assistant were rude, they dont let you pay with debit card and I dont like checks because they deliberately send them through slowly to try to cause people fees, which they are now trying to gouge me for. It is bad enough they are charging me XXXX % interest when I have excellent credit but just dont use credit much and I work for the State of XXXX! I just told them I would pay the full amount when I got paid the XXXX and then they sent me a letter today harassing me about it again and this time threatening possible late fee and adding of course a {$25.00} NSF fee! I hate people like these always trying to take all they can get from people. I am paying the loan off in a couple of payments and never going there again. I just looked online and their reviews are horrible they are not like they used to be XXXX yrs ago when I worked for them. I tried calling the XXXX number which is suppose to be their corporate office and the phone rings then goes dead. I have a right to have my loan moved wherever I please and I want it moved to XXXX XXXX. I also want to know why this company is only allowing payment by check unless they are doing so for fee income off of NSFs.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wrote Transunion in XX/XX/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
First i called to see about doing a settlement payment agreement so we can pay off the balance. they refused to work out any deal with me that i can afford. then the agent made a threat saying they will come to my house and arrest me if i dont pay it now. i hung up after i said i will contact the consumer fianance protection. they are rude and are not willing to work with customers. I will not pay the full amount i dont have it and cant afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: STATE FARM BANK, FSB
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Trans Union. My written dispute was received by Trans Union on XXXX XXXX, 2016. Trans Union did not perform an investigation. The credit report was a regular credit report ; not the annual credit report. Since it was a regular credit report according to the Fair Credit Reporting Act, Trans Union had 30 days from date they received my written dispute to conduct their investigation. Today is XXXX XXXX, 2016. Trans Union clearly has violated the Fair Credit Reporting Act. Items that can not be verified within the 30 day period must be removed from my credit report. Please make Trans Union remove these unverified items listed below. Trans Union is and has violated the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I have wrote Trans Union more than 5 times, with proof showing them I have never lived in TX. That this address was used when my identity was comprised, but they will not remove this address. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both XXXX and Equifax my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have an online account on coinbase.com and sent XXXX euros to that company on XXXX XXXX 2017. 
Since then it is like my money completely disappeared, it was never credited on my online coinbase account nor refunded to my issuing bank account. 
Such delay is unacceptable and im starting to think that I was scamed and wo n't see my money again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of XXXX. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX  website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian slashed my FICO credit score by XXXX points for no apparent reason. There is no negative item on my report that could be disputed. I have been trying to resolve this issue for last three days. Today ( XX/XX/2022 ) I spoke with Experian Credit Score department and they admit that it was a system error but they refuse to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( original creditor ) Account XXXX # # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: SLM CORPORATION
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to a company called Freedom Mortgage from XXXX Mortgage XXXX XXXX As part of the notification process, I was sent a letter that told me about the sale and included a " Schedule of fees '' that is dramatically different from the fee schedule I had with XXXX as you can see in the " From '' and " To '' columns. I do not feel that it is fair to change any fee as part of the sale of a conventional and compliant loan. I have excellent credit and I do not expect to be treated this way after paying such high closing costs to get the loan in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation