BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been enrolled back at XXXX XXXX University in the fall of XX/XX/XXXX. Recently, i have been harassed by Discover Student Loans for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Discover is now reporting to the credit bureaus that I am late. At this point, Discover needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022 I sent to TransUnion a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to TransUnion attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from TransUnion telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.

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 2022-08-19
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. XXXX XXXX XXXX XXXX tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of Gamache and Myers ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( XXXX ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own XXXX or XXXX XXXX any money as I have not signed any paperwork with them or purchased any goods or services from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX of XXXX the bank closed my credit card account and demanded me to provide them my Social and official ID. I called them and refused to re open until I mailed the copies. I mailed them and never received an answer. I never missed a payment and to this day they never answered.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX

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 2016-08-19
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
ON XX/XX/2016 AT AROUND XXXX, I CREATED A TRANSACTION TO SEND MONEY TO SOMEONE USING MY CREDIT/DEBIT CARD. AFTER I CONTACTED WESTERN UNION AROUND XXXX TO FIND OUT THE STATUS, I WAS TOLD THAT THE FUNDS WAS PUT ON HOLD BECAUSE THERE WAS A PERSON WITH A SIMILIAR NAME THAT WAS ON SOME SORT OF SANCTION LIST. THEREFORE THEY REQUESTED THAT I FORWARD A COPY OF MY PHOTO IDENTIFICATION TO WHICH I EMAILED IMMEDIATELY. HOWEVER, MY PHOTO ID EXPIRED AND I HAVE NOT YET RECEIVED MY NEW UPDATED ID FROM THE NY DMV. I EXPLAINED THIS TO WESTERN UNION AND AFTER NUMEROUS CONVERSATIONS WITH MULTIPLE REPRESENTATIVES, I JUST ELECTED TO CANCEL THE TRANSACTION IN ITS ENTIRETY. HOWEVER, I AM NOW TOLD THAT I HAVE TO SUBMIT A VALID PHOTO ID TO RECEIVE MY MONEY BACK. HOWEVER, WESTERN UNION WITHDREW MY FUNDS FROM MY ACCOUNT WIHTOUT A VALID PHOTO ID THEREFORE THEY SHOULD RETURN MY FUNDS WITHOUT IT. FURTHERMORE, ALL OF THE REPRESENTATIVES AND SUPERVISORS THAT I SPOKE TO WERE EXTREMELY RUDE AND COMMUNICATED INFORMATION WITH ME THAT WAS INCORRECT AND MISLEADING. PARTICULARY I SPOKE WITH A SUPERVISOR ( XXXX ) AT ( XXXX ) XXXX ID # XXXX WHO TOLD ME THAT WESTERN UNION DID NOT NEED AN UPDATED PHOTO ID TO REFUND ME MY MONEY AND THAT HE WOULD PUT IN THE REQUEST AT A HIGHER LEVEL AND GET BACK TO ME ( TO WHICH HE HAS NOT ). THEN I CALLED THEIR OFFICE BACK AROUND XXXX TO FIND OUT THE STATUS AND EACH RESPRESENTATIVE AND SUPERVISOR TOLD ME THAT I NEED TO SUBMIT A VALID PHOTO ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX

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 2017-03-09
Company: Idaho Housing And Finance Association
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Any time that I need to contact Home Loan Serv regarding my mortgage loan, I am never able to contact anyone. I am placed on hold for a timeframe around 5-8 minutes when I am forced to disconnect or leave a voicemail. I have never, not once, received a call back when a message is left. I have currently been attempting to contact to update my payment information as I have switched to a new account and my old account is no longer in use. I am unable to add a bank account via their webpage, and now I am unable to contact anyone on the phone. I have also noticed information regarding my payments being applied to my principal balance does n't appear to be accurate, but again I am unable to speak with anyone to discuss further.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi BestBuy, how are you? I love you guys, but i don't know what happen between XXXX to XXXX with the payment. I just opened this account back in XXXX and i been paying on time. I have to be honest that I was shocked when I reviewed my credit report and found late payment mark on my credit in XX/XX/2020 during this COVID-19 pandemic especially when i been laid off for like 4 months now. 

Basically, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 non-monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
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 .... 
The US District Court Case # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX Has violated my rights.

15 U.S.C. 1681 Section 602A States : I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 States : 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 explanation
Consumer complaint received 2016-09-07
Company: Prosper Marketplace, Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day. 

On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded. 

On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic. 

I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was victim of a scam. A friend reached out to me on social media and tricked me into making false financial investments. ( I later learned that the friends account was hacked. My social media accounts also became hacked ). I was instructed to send an initial investment from XXXX of {$1000.00} to an account I was instructed to create at XXXX This account showed my initial deposit of {$1000.00} and a profit return of {$11000.00}. After a day the profit appeared I was then instructed via email that I needed to upgrade my XXXX XXXX account by paying {$2500.00} in order to withdrawal the initial investment of {$1000.00} plus the profit amount. On XX/XX/XXXX I contacted the company directly through XXXX and inquired on how to withdrawal the profit. I was told I needed to follow the instructions of the account manager and upgrade the account. On XX/XX/XXXX, I made the secondary payment of XXXX via XXXX and XXXX to withdrawal my funds. I was still not able to withdrawal and again I guided directly through the website and via account manager who no longer responded. At that point I claimed fraud on XXXX ( denied my claim ) and USAA for both the XXXX and XXXX payments. USAA debited the account for the XXXX  payments ( {$2000.00} ), replaced the debit cards linked to the account, and started an investigation. I received a call back from USAA on XX/XX/XXXX. I told them what happened and the investigator told me I was at fault and that I can no longer use my mobile wallet, XXXX, I will have to payback the debited amount of {$2000.00}. I was notified today XX/XX/XXXX the investigation is complete and I will be responsible for paying back the debited amount. I did not intentionally seek a scam I was investing in a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i noticed a few accounts on my report that i do not recognize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 2016-10-11
Company: FIRST CHOICE LOAN SERVICES INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We received the final closing disclosure from the lender prior to close stating we would need {$3200.00} to close. The day the notary showed up he had a paper saying we 'd need {$3900.00} to close. I showed him our disclosure and he said that ours must be right and they must have made a mistake on his end and accepted our certified check for the lower amount. Today ( the following week ) the lender called and said we could n't close on the loan because we were short {$680.00}, having only provided a check for the lower amount, and we 'd need to drive XXXX miles to the title company with the extra funds today to prevent the loan from falling through. I feel it is deceptive for this " bait and switch '' demanding nearly {$700.00} extra at the last second in clear discrepancy with the closing disclosure we were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not 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 2016-12-05
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter from discover card stating that I have a balance that is delinquent. I contacted discover card and advise that I never applied or open an credit card account with their company. I have disputed the credit card account with the credit bureaus and with discover card requesting that the account be removed from my credit file and the account ca n't be validated nor will they remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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: Was not notified of investigation status or results

Complaint:
I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you

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 2016-09-21
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.

Company response to consumer: Closed with explanation