BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: SRA Associates, Inc.
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 having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never been associated with any company named XXXX XXXX as reported in my employment data.

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 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.

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 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX XXXX, I reviewed my credit report and noted that XXXX was reporting an account that was Pay Status in Bankruptcy Date closed XX/XX/XXXX and date updated XX/XX/XXXX which meant that the month and year that this account was to be removed is XX/XX/XXXX. I contacted XXXX and they stated that they have not updated any account and did not include an new account in Bankruptcy. What they did was XXXX consolidated all account and merged them into one. I told them that Trans Union was reporting this account in Bankruptcy and current. They stated in XX/XX/XXXX that they contacted XXXX and it would take 30 to 45 to update. XXXX instructed me not to contact XXXX because they would correct it on their end. In XX/XX/XXXX I received an account alert that stated that I had a recent Bankruptcy and that I had XXXX account in Bankruptcy with XXXX. I contacted XXXX XXXX and disputed the XXXX XXXX account because I was assured by XXXX that it was corrected. I also contacted XXXX and requestd that they update this account and remove all derogatory informaion on my file. On XXXX XXXX, XXXX, I received a letter from XXXX swtated that they would remove all trade line XXXX XXXX ) for the loan that has not been service for XXXX years or more. which would have been the account with XXXX that was open in XXXX/XXXX/XXXX, but Trans Union changed the Date Updated and XXXX to XXXX/XXXX/XXXX. I contacted XXXX again and they stated that they have disputed this account with Trans Union 3 to 4 times and each time they refused to remove the account. On XXXX/XXXX/XXXX, I spoke with a XXXX at Trans Union and they stated that they only received the dispute from Trans Union in XXXX XXXX, which would not explaned the currect credit report that I receive from them on XXXX/XXXX/XXXX. She also stated that XXXX told them that it was in Bankruptcy, and I asked her do I have a current bankruptcy in my file, she stated " no '' so, I asked her how could they report a Bankruptcy in XXXX XXXX, if I did n't have XXXX. 
XXXX, has stated on several occasion that they disputed this account. It 's listed in the Remarks on the credit report. ( Chapter XXXX Bankruptcy, DISP INVG Comp-Consumer Disagrees. The disagreement is not that I had a Bankruptcy, but the date that Trans Union reported this account. 
In XXXX, I was on the phone with both XXXX and Trans Union, they representative stated that the account is current and in repayment. That this account should be deleted. Not only is it inaccurate, its caused several negative hits to my credit report and caused me to be decline for consolidation. I 've worked diligently to improve and maintain my credit worthiness in the last 10 years and its highly injurious that Trans Union has not regards to report accurate information.

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 2019-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for an XXXX XXXX Credit Card on XX/XX/XXXX. It was an in flight application that was handed to me. I filled out the application and handed it back to the attendant. They placed in on a seat as I watched and I had to remind them it was there. 

Since this application date I have not heard anything. I called XXXX XXXX customer service XX/XX/XXXX and XXXX ( text ) instructions to call B of A customer service at XXXX. I then called B of A and spoke with XXXX that alerted me that no application was on record. 

I am concerned for my personal info being out there. It is my belief that the attendant mishandled my application or misplaced or lost it. It is now out there for anyone to get. This seems like a severe breach of security. 

My Flight was XXXX XXXX to XXXX departing at XXXX I would like XXXX to take action to protect me on this account.

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 2016-04-14
Company: DISCOVER BANK
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I received a letter from the XXXX , XXXX XXXX XXXX located in XXXX XXXX in late XX/XX/XXXX stating that I owed Discover credit card company {$5000.00} due to a transfer balance occurred on XX/XX/XXXX. I never owned a Discover credit card and did not do the balance transfer as they claimed. I have called XXXX Credit Card Company many times and they have told me that the transfer transaction never occurred on their records as well. File XXXX XXXX and XXXX XXXX are evidence that such a transaction never happened. I have tried to solve this false accusation with Discover Credit Card Company XXXX times as you can see from the attached file but they still find the balance valid. I even had the representative from XXXX on the phone with Discover representative to tell them that such transaction never occurred but they still find the transfer transaction valid. I am filing this complaint because I have been falsely accused by Discover credit card company for something I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo Bank said to repair a credit issue that resulted from health issues that I should create a credit card using my money to fix credit that went from XXXX to XXXX after loss of job due to health. They put my {$500.00} on a credit card from my personal checking account and created a company credit card. Once after several years I noticed that no credit repairs were made I stopped using the credit card. Later was charged {$39.00} twice on the card for late fees. They have never replaced my remainder of the money. The charges on the card were {$260.00} as of the XXXX statement. I did not see the XXXX late fee of {$39.00} because it seemed hidden on a back page. Now I receive rude calls that I owe them and when I have tried several times with many phone calls nobody has fixed this or given me my monies back. I feel I was lied to by the banker that wanted to sell me this card since it did nothing to repair credit. I later obtained a XXXX XXXX card and it has increased my credit score from XXXX to now XXXX. Why after paying this card with Wells could they not have told me the truth or helped me with the situation? I paid the card for many years and it never helped me in the least. Meanwhile I still get rude calls and a rude letter dated XXXX XXXX, 2020.

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 2015-06-23
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: GA
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 have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX 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 2017-01-18
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: Applied Data Finance, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Summit Financial Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Summit Financial is reporting collection / chargeoff to the credit bureaus. I disputed this in the past and had it removed because they could not verify any information. It has started showing up on my XXXX and XXXX reports again with an incorrect Date of Last Payment of XXXX XXXX, XXXX. There has been no activity on this account since early XXXX which would put it at 7 years and should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.

Company response to consumer: Closed
Consumer complaint received 2016-12-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a medical collection on my credit report that does not belong to me. It was incurred 4 years ago in XXXX, KY where i have not lived for the past 7 years. I have communicated this with Central Financial Control, I have received no proof that this debt is mine. I found myself in a situation that required me to pay off collections on my credit report, I paid this with the understanding that they would delete it from my credit report, I need your help getting this erroneous information removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). 

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation