BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. 
Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Designed Receivable Solutions Incorporated has failed to provide a signed contract for this alleged account. An original contract is required as proof in the event of a lawsuit. This is a billing error and the alleged debt is not validated and in dispute. 

Additionally, 15 U.S. Code 1692c ( a ) states : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Designed Receivable Solutions has violated the FDCPA and I plan to exercise my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was hippa .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and XXXX XXXX XXXX the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is TransUnion XXXX XXXX XXXX XXXX, PA 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 2021-05-11
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Well in XX/XX/XXXX Seterus sold my mortagage to mr cooper. We paid a payment that month which mr cooper didnt process an I have been late ever since. I asked for a pandemic forebrance and received in XX/XX/XXXX I have a XXXX XXXX loan. They would not extend it and it ended XXXX. So they are going against the federal guidelines and not continuing.I live in Michigan in the county has is the hottest for covid 19. I am XXXX and afraid of leaving my house. Anyway a young man XXXX said i was approved for six months.Today i check back and told no. I am so upset that I am going to be thrown out of my house into a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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 status incorrect

Complaint:
I consolidated my student loans with XXXX and XXXXXXXX XXXX XXXX on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and XXXXXXXX XXXX XXXX have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, TransUnion, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.

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 2021-05-11
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Equifax To XXXX To XXXX XXXX XXXX.D.O.B. XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of Convergent Outsourcing. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and Convergent Outsourcing to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requested ... PLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you 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 2018-04-26
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day. 

Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.

XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.

XX/XX/XXXX XXXX XXXX   Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.

XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: STATE EMPLOYEES CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: AZ
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2017-06-16
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: Their investigation did not fix an error on your report

Complaint:
First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because Experian 's reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues  :   1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher.  '' 2 )    XXXX   XXXX  -action requested : To remove the  Status adv isory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I made a payment on my XXXX credit card ( provided through XXXX XXXX ). I had intended to pay the minimum payment plus the late fee ( I was paying 2 days late ). The payment amount was intended to be {$100.00} but it was processed for the statement balance {$1100.00}. When I called to ask for a partial refund they said because it was not an overpayment they wouldn't refund my payment. The refund would not have put my account past due and would have still been more then my minimum payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I am writing this letter in regards to student loans matters under my name XXXX XXXX. The student loan offices used deceptive practices to administer student loans at their schools. The private institution had stated student loans would be and could be used for books, housing, meal plans and other personal expenses.I live in transitional housing the department authorized several student loans in my name from the administration to my the student per request that these funds could be used for such expenses in which I did. I worked my jobs and needed money for my uniforms and clothing as per apart of the request of these work locations. Im asking the review of my student loans and per the XXXX look at XXXX XXXX deceptive practices to give out student loans to their students. I look forward to your swift investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: I.C. System, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

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 2018-04-21
Company: GREAT LAKES
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:
XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a letter to TransUnion in regards to a dispute on several items on my credit report. 

I received the results from Trans Union dated XX/XX/XXXX. I promptly sent a letter to Trans Union requesting the Method of Verification as was sent to them XX/XX/XXXX One of the items listed was not investigated. On XX/XX/XXXX I received a letter that one of my items was previously disputed and verified. The Debt Collect is XXXX XXXX. The original creditor is XXXX XXXX and XXXX. Back in XXXX I disputed this debt that was listed on my Trans Union report and it was removed this was a different collection agency. This item was reinserted with the same amount and the original creditor. When I contacted Trans Union in regards to this issue. I asked for the method on how they verified the debt and why it reinserted with no notice as per the law. I was told I needed to contact the collection agency on how the debt was verified. Trans Union stated they only reach to the creditor and ask if the information is true. Of course the creditor will state it is accurate and the amount I owe is true. Again, I asked how and what documents were used to verify this is information is accurate. Again, I was told to reach out the creditor on how they are stating I owe this debt.

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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Had a Simple Bank checking account. Bank transitioned to BBVA USA on XXXX XX/XX/2021. Since then it has been a total disaster and very little help from BBVA. It took all day on the XXXX and part of the XXXX just to access the new BBVA account I have been frequently unable to access account via mobile app or via online banking website. The rare times I am able to login, have tried multiple times to transfer money out of account to XXXX but continue to get system errors or unable service errors when transfer submitted. Spent 2 hours on phone with customer service today ( XXXX XXXX ) and same situation with transfer. During the call both BBVA website and mobile app went offline. Customer service rep and then manager said I could go to a branch and do this. I live in XXXX TN and closest branch is in Alabama 82 miles away. Then they offered to mail me a check via standard US Postal Service, I said that is not acceptable to me based on current ineptitude with this transition and complete lack of faith in this bank. Based on the BBVA XXXX feed regarding this transition it seems that a multitude of Simple account owners are experiencing the same horrible experience of limited or no access to their account. 

BBVA will also not waive the transfer fee of {$3.00} per transaction. Have {$5500.00} in account and their daily limit to transfer is {$5000.00} so this is costing me {$6.00} to close the account and they said they would not waive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Well my wife started a new job with usaa banking in XXXX well she find out that they offer a lot of different services because we are in the processing of fixing our credit. She opened up an banking account with usaa banking and decided that I do the same. As we call them together I was unable to open up and banking account because a banking account was already opened up in my name. Back in XXXX when I was incarcerated at the time. I let them know that I was unaware of that account and that I never even heard of usaa banking until my wife started working there in XXXX when she was trying to get me to open up a saving account with them. They rushed me to the fraud department as I was asked so many questions. I believe i made that phone call in XXXX I wont to say the XXXX. I was told to call back but every time I called back Im being hung up on or transfer to someone that cant help me. I was told to call back to check up on the status of the investigation. But no luck I called back about the XXXX right after XXXX to only be told that someone will be in contact with me. Well I was able to access the account because they had added my phone number to the account instead of closing the account and I was able to reset the pin to get into the account. The information I got out the account was the person stayed in XXXX Pa address XXXX XXXX XXXX XXXX PA XXXX they even created a email For me XXXX they telephone number XXXX and they had one number in my ssN that was missing and Im lost to how they were even allowed to opened up an account without a full ssN. Previous before all this had happened I had some misspelled names on my credit that I had taken off. After I reported to usaa that this was not me. It all of a sudden pop up on my credit. I also have another bank account that was opened in my name at XXXX XXXXXXXX XXXX and its now on my credit before it wasnt. Also outrages medical bills that I dont recognize because I always had insurance with my job or through my wife job. I need to know how I go about this and how do I bring charges forth because I do wont to press charges for identity theft

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation