BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, XXXX XXXX XXXX Collection Agency placed this account on my credit report for the amount of {$3500.00} on behalf of XXXX University. I have disputed this account SEVERAL times with the other collection agencies whom have owned this debt. Each time I have disputed the account, it has been removed from my credit report. I have never attended this University. This is the 6th time this debt has been added to my credit report and the 6th time I am fighting to get it removed. Furthermore, I did not receive any written letter from the University or the collection agency as to their actions of trying to collect this debt. Below is a list of dates in which this item has been removed from my credit report : XXXX XX/XX/2017 XXXX   UNIVERSITY {$3000.00} XXXX XX/XX/2016 XXXX UNIVERSITY {$3000.00} XXXX XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 07 XXXX   UNIVERSITY {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For several years TD Bank has refused to let me run my own account. They are deliberately over drafting me. My money is being automatically withdrawn. They are picking and choosing what they want to pay. They are refusing to pay my rent, electricity, and car insurance. They repeatedly refuse to stop pulling automatic payments out. For example, XXXX, XXXX XXXX I repeatedly asked for automatic payments to not go out. XXXX XXXX, an employee at the TD Bank at XXXX XXXX Rte XXXX, XXXX, NJ XXXX, lied to me about the bank holding my deposits, and erasing my deposits. An employee at the bank told me he was lying about the fact that the bank can hold my money for 6 days for bank fraud when my money was coming from the state government and federal government. XXXX XXXX, a TD Bank Corporate employee made sure that they were holding on to things like purchases at XXXX and other businesses, and putting them in all at one time to make sure I don't have any money. They know I want to legally pursue this, and have been sabotaging my funds so that I can't get a lawyer. They are actively trying to close the account to hide the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/22 i sent a letter to XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to transunion llc for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. transunion violated my privacy.

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 2021-08-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA REFI to TRUIST banking in MD. The customer service with processing the loans makes me consider how much fraud, waste, and abuse the banking industry has against federally protected loans. 

The loan processing has taken over 7 months from initial documentation submission with no resolution with underwriting. The initial documentation that was submitted to the processor occurred on XXXX XX/XX/2021, with no activity between XXXX and XXXX. The processing took place on a reoccurring basis where TRUIST could not address concerns before submitting to underwriting on XXXX XXXX. The policy was for underwriting to process within 10-14 days. No correspondence to underwriting occurred until XX/XX/2021, with requirements to submit more documentation that could have been addressed earlier in the process. To my understanding, TRUIST continues to pay fines to fulfill promises on the rate agreed to. Still, the processing has incurred an additional 7 months of payments at a higher rate with no recourse for the customer to address concerns. All customer service complaints are addressed by sales or operations within TRUIST with not the venue to engage to address concerns across either department. 

Communications with the MD regional office has not improved any of the processing and issues with the customer 's needs. 

The lack of attention is incurring costs on veterans even though the program is designed to protect veterans. A follow-up letter will be sent to state congressional representation complaining of the waste that is occurring in the banking industry. 

My loan officer can attest to the problems with the TRUIST process of VA loans.

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 2021-08-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXXI received the first initiation of debt from the XXXX XXXX XXXX XXXX that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that Resurgent Capital Services, LP manages LVNV Funding, LLC on behalf of the XXXX XXXX XXXX XXXX. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that Resurgent Capital Services, LP ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

Resurgent Capital Services, LP continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed some hard inquiries on my credit report. I contacted the credit bureau fraud department today, on XX/XX/2022. I informed them that i have XXXX hard inquiries that were unauthorized. They did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Southwest Stage Funding
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried over and over to get cascade financial to take my name off of the house that got awarded to my ex spouse XXXX XXXX XXXX during the divorce and they wont do it. I have not lived there for 3 years and Im trying to build my credit to build a new house with my current husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ON XX/XX/2019 I was contacted from Capital Accounts saying I owed money to a dentist that I have paid in full, I have all paper work from dentist, but now they are saying that insurance didn't cover something, anyway Capital Accounts told me I had to pay and if I didn't pay they were charging interest and that would also be reported to my credit report monthly until I paid. I have never received anything in the mail about this account and I have spoken to the dentist about their improper disclosure of how he said were in network and they spoken directly to insurance company and had the procedure approved how much I had to bring the day of procedure and 1 yr later their saying I owe more. 

Capital Accounts LLS XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: NC
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 would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( 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 explanation
Consumer complaint received 2022-10-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in my information was used to open bank accounts for a mobile cell phone service and several checks were fraudulently wrote in my name when information was leaked the two of the agrees with XXXX XXXX XXXX icons a local police department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a debit card from m & t bank with my name and address on it. I never opened this account. When I called on the phone, my social security number was also attached to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: ERC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Servicer states the following on XX/XX/2021 communication to Borrower : " Unfortunately, the account is ineligible for one of more resolution options or it is ineligible for the option you selected on the RMA. '' Borrower Complaint : No details provided of why account is not eligible for assistance. 
No details given of which resolution options Borrower is eligible for. 
Law requires that loan servicer review loss mitigation for all options available to Borrower.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX- # XXXX 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 reportinq agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-18
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX  that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. 
When I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. 
I am submitting a complaint because I think that false advertising/marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 : 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 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
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 didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with Experian and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in 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 explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan that was serviced by Nelnet. 

At the beginning of the COVID pandemic, around the time that the pause in interest and principal payments for student loans was announced, I had contacted Nelnet to get set up for the pause. 

At that time, Nelnet informed me that I was not eligible for the pause. I asked what I would need to do to qualify, they ( Nelnet ) told me there was nothing that could be done to qualify for the pause. So, I continued to make auto-debit payments because at 8 % interest the loan balance would continue to increase significantly. 

In XX/XX/2022, I was informed that I could transfer my loan to the federal government and then qualify for 0 % interest and stop payments during the pause, which I did. 
After the loan transfer, the 0 % interest was applied to my loan and payments paused. 

I believe Nelnet misrepresented my eligibility for the pause originally and they certainly misrepresented the fact that there was nothing I could do to qualify, when all I simply had to do was transfer my loan. 

I am not certain there is much that can be done about that misrepresentation, but I do believe that the following description addresses the more recent misrepresentation and attempted fraud by Nelnet. 

I recently became aware that individuals who had made auto-debit payments during the pause were eligible for refund of principal and interest. I found this information on the website www.studentaid.gov. 
The website directed me to contact my loan servicer, Nelnet. When I made the request on XX/XX/2022, they said they would get back to me within four to six weeks. 
When they did contact me on Thursday XX/XX/2022, they informed me that I was not eligible for a refund of principal and/or interest because my loan was not in deferment during that time. 

Logically this made no sense because if I had been in deferment there would have been no payments made and no money to be eligible for a refund. 

I do have a recording of the last conversation that I have just described, if that is of any use. 
The amount that should be refunded to me is approximately {$21000.00}. 

I need assistance in getting my refund from Nelnet XXXX XXXX XXXX! 
And they should be required to pay interest to me on the money unfairly kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
original complaint # XXXX I went through the process of filing a complaint against this company through your office and they responded that it had been closed due to verification of receipt of payment at original service date. Now I am getting another notice for the same item

Company response to consumer: Closed with explanation