BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: COMPUTER SCIENCES CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.

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 2017-05-26
Company: ASTORIA BANK
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2016-03-18
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2015-10-24
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive notified XXXX and Transunion multiple times in regards to a collection from creditor Capstone and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to XXXX to remove XXXX citing pending litigation against them. As a XXXX citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

XXXX and Transunion needs to delete it while under legal review.

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 2022-03-22
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MY NAME IS XXXX XXXX. REFERENCE NO. ON THE LETTER XXXX YOU HAVE CALLED ME NUMEROUS TIMES AND I HAVE TRIED TO RESOLVE THE MATTER TO NO AVAIL. AS THIS IS A COMPENSATION CASE AND I HAVE CONTACTED THE HOSPITAL AND WAS INSTRUCTED TO CONTACT MY COMPANY. 

I CURRENTLY HAVE AN OPEN CASE-THE FOLLOWING WAS PROVIDED XXXX XXXX XXXX FUND CASE # XXXX CONTACT PER SON IS XXXX  AT XXXX YOU ARE VERY UNPROFESSIONAL AND CONTINUE TO HANG UP THE PHONE. I HAVE DONE YOUR JOB AND WOULD LIKE FOR YOU TO STOP CALLING ME IMMEDIATELY AND CONTACT THE NUMBER AND THE PERSON ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed 2 accounts on credit file XXXXXXXX XXXX and XXXXXXXX XXXX XXXX These accounts are not mine I have disputed account with both the companies and with credit company neither are or have taking this matter seriously

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 2016-07-07
Company: Empowerment Ventures, LLC
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from Experian, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX  XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : Experian, XXXX, and XXXX U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/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 2015-07-14
Company: Source Receivables Management LLC
State: WI
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:
I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
Rush card did update on XXXX XXXX and has had issues to this date, money is missing, fees applied out of nowhere and phone calls are not being answered, this date I am locked out of account and not able to reach anyone, left messages with no return calls!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: PA
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 Account # 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 explanation
Consumer complaint received 2022-07-17
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, XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-07-26
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX not mine XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX not mine XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX FIN # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # 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 explanation