BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
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:
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.

has violated my rights. Or list of inquiries 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 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 than 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 explanation
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I enrolled into a XXXX. I am over {$100000.00} dollars in debt ( due to insanely high interest rates ). I was never able to finish school because I reached a " cap '' on federal loans and I was n't able to receive any private loans. Navient is asking me to pay over $ 500 monthly to pay back my parent plus loan. I make {$2000.00} a month and that is IMPOSSIBLE. They have no sympathy for their borrowers hardships and continue to tackle on fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Hunter Warfield stating that I owed them a debt. They sent me a statement with an account number with a balance amount that included interest. I requested verification of this debt and requested addition information from them as proof that I owe them this debt. This letter was dated XX/XX/2023 and sent by certified mail. The response received only included a copy of a signed rent contract. The contract was reviewed, and it did not include any agreement to pay interest on debt. Another certified letter was sent to Hunter Warfield questioning the reason for the interest since it was never agreed upon in the signed contract. They did not provide any validation for the interest charge and refuse to remove it from the requested debt amount. I am also not sure if they legally own this debt, or if they are authorized to collect in my state because they never provided me with this information that I previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Medical Data Systems, 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: Old information reappears or never goes away

Complaint:
I contacted MEDICAL DATA SYSTEMS INC to let them know they are incorrectly reporting an account. They stated the account would be deleted but it hasnt been deleted yet. I am going to file an attorney general complaint if the account is not deleted 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 2023-04-07
Company: EQUIFAX, INC.
State: PA
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:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Account # XXXX On XX/XX/XXXX, I purchased a money order in the amount of {$270.00} and mailed it at the local post office for a bill payment due on XX/XX/XXXX. I have been informed that that payment was not received. XXXX XXXX has verified that the money order has not been cashed which indicates that it was lost by FNBO considering I have not received any returned mail to sender. Upon contacting XXXX XXXX, it seems that the only option available is to request a refund which requires a {$15.00} non-refundable fee and can take 30 days for processing. As a senior with a XXXX on a fixed income, the lost money order has posed a significant financial hardship on me at this time. Not only is FNBO requiring both XXXX and XXXX payments at once, there has also been a late fee imposed on the account. These payments and fees totals to nearly {$600.00} which I can not afford given my circumstances. If I do not make the payment, I am at risk of a negative reporting to my credit profile despite having mailed my payment in ahead of the due date.

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 2022-12-13
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 at XXXX pm, ALL of my assets with the Gemini Trust Company , LLC, were transferred out of my account, without my authorization. I do not know the destination of the assets, and despite XXXX emails to their customer service, ( XXXX ) Gemini has made no effort to track the assets or identify the thief. 

The amount of the assets were approximately {$16000.00} in digital currencies and {$4900.00} in XXXX dollar cash. ALL the funds were withdrawn on XX/XX/XXXX. 

I would be grateful if you could tell me the next step to take in pursuing these stolen assets. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ENCORE CAPITAL GROUP 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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:
Account Number XXXX XXXX, TRANSUION AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR XXXX months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN XXXX YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD XXXX, TRANSUNION AND XXXX continues to VIOLATE the Fair Credit Reporting Act

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 2023-01-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Remex, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2023 I received a letter in the mail saying I owe {$150.00} from XXXX XXXX XXXX and Im not sure what that is. I dont have any record or receipt of receiving anything from XXXX XXXX XXXX XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We used XXXX  from the same account we always use to pay bills. Then an email goes to my husband that says Citizens is pulling the money from a different account that we did NOT authorize. That will likely cause an overdraft and, knowing Citizens, they will have another excuse to charge ridiculous fees. I called the XXXX #, wasting my time and energy, to be told that the email is wrong. I DON'T TRUST IT. I am getting out ahead of Citizens screwing the consumer yet again. If I had time I would move my accounts. That is coming. But for now, we better not get hit with fees. 

here is the email : Payment to XXXX XXXX XXXX XXXX sent as a check Hello, Payments to XXXX XXXX XXXX XXXX are typically sent electronically, but this payment was sent as a check. Your check may be cashed, and the money withdrawn from your account, before or after the Deliver By Date. Please make sure you have enough money in your account to cover the payment. 

Recipient : XXXX  XXXX XXXX XXXX Account : XXXX Amount : {$2800.00} Deliver By Date : XX/XX/2022 Thank you for using Pay Bills. 

WRONG ACCOUNT!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX  XXXX Veteran in Texas and my mortgage company is still charging me for property taxes. They have neglected to update my escrow balance to reflect my exemption. They also did not update my property insurance premium payment & is deducting more than what it should be. 

I have contacted my local property tax office and they are tracking my exemption from property taxes for my home.

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 2022-08-17
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't waste my time contacting Wells Fargo 's card dept. anymore. The calls always end up at corporate with my complaining, because the people they hire are dangerously uninformed, ill trained and inept! So I figure I'll do it this way. When my account balance goes over the limit they report it so fast it'll make your head spin! When my balance is under the limit they take too long to report it like now. I made a payment to bring down the balance on XX/XX/22 for {$210.00}. That payment is not reflected on the report I ran today. I paid on my other credit cards and the payments have already posted and updated. What is XXXX problem? One of my lender 's expressed disdain for them due to their repeated horrible customer service. Couldn't agree more! I made yet another payment on XX/XX/22 which was sent to them today. It won't show up until XX/XX/22. However, they won't report it to any of the bureaus for 60 days! They have been charging me a cash advance fee for 2 years on {$100.00} advance! They try to keep justifying it but it's XXXX and they know it! 2 years charging a cash advance fee expresses their greed and law breaking. The Comtroller of the Currency is too friendly with them so they're a waste of time. As long as I have a balance they'll keep charging me the fees monthly and continue to be uber slow to report to the bureaus the positive info that they fail to do timely. If my other creditors can do it quick why can't they? They're a much larger corporation than those banks are. This just speaks to why no one trusts this bank, and why their customers hate them. Because of them my scores remain low due them leaving negative info on my report longer than positive. I've not had too many instances where they've not been paid on time and there are NO XXXX  day lates of any kind on my account! When I am a little late paying they call me repeatedly daily. When I need help from them with questions or whatever they don't assist but give me a hard time or force me to have to complain to corporate who also really doesn't do much. It's an across the board problem with this bank. I don't foresee them ever getting better. Its gone downhill fast ever since XXXX XXXX was forced out.

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 monetary relief
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.

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 2022-01-25
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.

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 2023-09-04
Company: PNC Bank N.A.
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was invited to apply for the personal loan with PNC. I had a good XXXX XXXX however, they denied me because my tax returns or filled out by hand and I typed in which I thought was ridiculous. I do my own tax returns. And then it showed up as a hard inquiry on my credit report, which is preventing me from getting approved an additional loans I would like this PNC hard inquiries removed my book report immediately.

Company response to consumer: Closed with explanation