BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
The initial notarized dispute letter was mailed certified to TransUnion, and with a return receipt request by me on XX/XX/2020. The letter was disputing inaccurate and unverified information on my credit report. The notarized dispute letter was received by TransUnion on XX/XX/2020. I waited the required 30 days, plus allowed more time for a response from TransUnion, and 45 days later I received no response. 

On XX/XX/2020, I mailed another certified letter of non-response, along with a copy of the initial certified letter of the dispute ( also certified and requesting a return receipt ), and a copy of the initial return receipt stamped by TransUnion on XX/XX/2020. I requested all negative unverified items to be removed since they had not responded within 30 days or more. I also asked them to send me an updated credit report to reflect this update. But instead of the items being removed, and getting an updated credit report, I received a letter stating that the investigation was now complete, verifying items as accurate with no proof and also stating that I could dispute the items with 100 words or less. It also stated that I could pay {$9.00} to request a copy of my credit score since I did not order one.

Not only is this an insult and a slap in the face, but it is also a clear violation of FCRA, 611 ( a ) ( 5 ). Please help me to resolve this matter as I am a 100 %  XXXX veteran fighting to resolve a matter that has been an issue for some time now. I know my status as a XXXX Veteran may not appeal to you, but it surely does frustrate me after fighting for a country that can not seem to give me a little justice regarding a matter that harms no one but me. Thank you for your 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 explanation
Consumer complaint received 2024-01-03
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am seeking assistance regarding an issue with Trust Bank concerning my Business Checking Account. Initially, upon opening the account online, Trust Bank did not provide essential account materials such as a welcome packet or a Deposit Agreement. Additionally, there was no option offered to order a debit card, nor was one sent automatically with the account opening.

Furthermore, Trust Bank advertised a policy of no Overdraft Fees, but this was misleading as it applied only to specific accounts, a detail not clarified in the promotions. The absence of initial account documentation left me uninformed about key aspects like transaction processing and posting times, which are crucial for managing the account effectively. 

During the XXXXXXXX XXXX XXXX holiday, a transaction resulted in an Overdraft Fee being charged to my account. On XX/XX/2024, I contacted Trust Bank for clarification. The explanation provided by the representative was unsatisfactory, as it did not adequately address my questions about transaction statuses and processing policies. It seemed to be her interpretation rather than a clear representation of written policy. 

XXXX XXXX XXXX XXXX XXXX  XXXX, I face challenges in fully grasping verbal explanations. I requested a waiver of the overdraft fee, considering my unfamiliarity with the bank 's processes and the lack of written materials to reference. Unfortunately, my request was denied, and the representative was unable to provide a specific reason for this denial, offering only general contributing factors. 

I am experiencing considerable frustration due to Truist Bank 's failure to send written information regarding my account via mail. This oversight has significantly impacted my ability to make informed decisions about managing my transactions. For instance, had I received the necessary documentation, I could have determined whether to use my business or personal account for specific expenses. Providing customers with the essential tools and information to manage their accounts effectively is a fundamental responsibility of a bank, and in this case, it feels like this responsibility has not been met. This situation could have been easily avoided if Truist had adhered to basic customer service practices and ensured that I, as a customer, was properly equipped with all relevant account 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 explanation
Consumer complaint received 2023-02-02
Company: Self Financial Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For XX/XX/2023 I paid a total of XXXX dollars to Self.inc. I only used XXXX of the credit in XXXX. I overpaid them XXXX dollars. I still have a balance due. I would like to know why their system does show that I overpaid them and why do I have an outstanding balance. I have tried to contact them. I am getting long wait times or the staff simply can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EXPERIAN HAS A POLICE REPORT ON FILE AND CONTINUE TO REPORT THESE ITEMS.

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 2023-01-25
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Violation of XXXX XXXX XXXX No permissible permission or contract with the company Unauthorized use of assumed name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have had a private loan w ith Navient  since approx.  XXXX  and in the time that I have had this loan, I have attempted at least a dozen times if not more to get them to refinance the loan from the current interest of 11.00 % to something less, and have been told they can not refinance or change my loan since they do n't offer the loan type anymore. I have attempted several times after making the necessa ry 12-24  months of on time full payments to have the co signer removed, to which I was told everything from its a simple phone call in to its paperwork, credit check, and we do n't guarantee we will do it. I have asked them on several occasions if there were other options available to me on the account, and they have told me that I had to pay the amount on the account every month without fail. I was paying over {$250.00} a month, and less than 50 % of that went onto the balance each month, with interest paid on the loan at almost $ 1200 yearly. I was going to end up paying approximately 4 times what I owed on my loan over the life of the loan.     In  XXXX  of  XXXX  I called into navient and had them remove my cell phone number as I was receiving  2-3 calls an hour almost every hour every single day. I had  blocked about  XXXX  numbers at this point and instructed them to remove mine and my co-signers numbers. I received a letter on  XXXX  for " litigation '' and it was dated  XXXX  with a printed signature from their " VP ''. I checked the date on the  XXXX   tracking,  and it was sent to me on  XXXX  and only gave me from the time I received  it 48  hours to try to correct the issue. They have since continued to post things to my account.     As of yesterday  XXXX   Navient had  no official way to contact me. As of this morning  XXXX , my wife received a robo call from  Navient. I have never given Navient  this information, and this is a  private cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Opportunity Financial, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting false information on my consumer report without proper validation and verification of this debt. I've never received a notice of attempt to collect upon this debt, however this account has been charged off and sent to collections on my behalf. I have no record of correspondence with this company and I have never received notice of Opportunity Financial claiming my obligation to pay this debt. Upon asking for their permissible purpose to claim I owe this debt, there were no factual findings produced. I've disputed this with all major credit bureaus and it's come back as " verified '' but nobody has shown me anything further than a " verification '' status. I've asked for proof of this debt, some type of clarification of this alleged debt and the company its owed too and all I've been given is non-compliance. I have no recollection of dealing with this company and they have produced nothing showing that I am in relation of this. The information attached to this debt is inconsistent and inaccurate. I've asked for deletion of this account on my consumer reports as its erroneous and damaging, it remains. I've asked for verification of this debt and they're still pursuing this although it's been deemed unverifiable ; even going as far to close this account, re-open it and close it again on my consumer reports, severely dropping my score and creditworthiness. This gross act of misjustice is unlawful. I was never even contacted about this matter until it appeared on my credit and has been there apparently for years now before I pulled my reports in pursuit of a safe home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

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 2017-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit card
Issue: Other

Complaint:
Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Firstsource Business Process Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep sending me statements, and I have requested debt ( s ) validation, but to date, nothing received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: GA
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 been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted XXXX  and Experian about the hippa violation and the failed to remove the collection from my 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 2023-11-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Javitch, Block & Rathbone LLC
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX private student loans through XXXX XXXX XXXX XXXX  etc. My father co-signed but after he died in XXXX I was the only one on left on the loans and they came after me pretty hard. I defaulted. They got judgments on all four. They have garnished my wages. I paid one loan off and was working toward paying off one of the the very largest of the four. On XX/XX/XXXX I received a " Release From Garnishment '' from the Court that granted the garnishment ( submitted by the debt collector Javitch and Block ). The Release was for one case only. It was on the case that I owed the least amount on and ( most importantly ) NOT the case I was paying a garnishment on. The Release did not say why that case was being released from garnishment, nor did it name any terms or if there would eventually be areturn to garnishment. I called Javitch in XXXX of XXXX to find out what was going on. The person I spoke with said that he didn't know. That it was unusual for the company to release a garnishment and that they must have done it because my other 2 loans that were outstanding were so large they decided to write the smaller one off. A year passes and I am still paying on one of the larger loans. I get a notice of garnishment from the state treasurer ( I XXXX  for the XXXX ) that my wages will now be garnished on this old case that I thought had been released! I had not finished paying off the other loan yet. So, I called Javitch again. This time I talked to an attorney. He said the release that I received a year ago was to provide relief for loan holders during COVID. I told him that it didn't! I was being garnished the whole time! Over {$1000.00} per month. I kept my main employment but I lost work due to COVID. A lot of work and so did my husband. We are behind on all of our bills due to this loss in income. This attorney made some jokes about XXXX giving me relief, etc and said there was nothing anyone could do about it now! Really? Is that really true? Shouldn't they have to give me back the money I paid them during the time that I was not supposed to be paying? They still have a garnishment now! Can you help me?

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 2021-05-17
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a credit card in the mail addressed to XXXX XXXX at my address. No one here with that name, we've lived here almost 20 years in a single family house. The card is a US Bank ReliaCard Visa debit card, needs to be activated. I called the number to report the fraud/mistake, but can't reach a service agent without entering a card number ( which I didn't want to enter in case it activates the card ) or account number, which I don't have, of course, since I didn't apply for the card.

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 2021-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX charge by XXXX XXXX of {$5000.00} for a booking XXXX charge by Chase Card for {$85.00} annual membership fee Statement of XX/XX/XXXX DUE on XXXX for {$5000.00} XXXX refunded on XX/XX/XXXX in full! Payment was due on XXXX, refund came on XXXX Chase charging {$58.00} in interest for the annual membership that was not paid yet. 

How is Chase allowed to charge an almost 100 % interest charge on their annual membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-05-17
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). 

I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. 

Thank you.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: VA
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-12-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX was removed from XXXX on XXXX XXXX. I contacted XXXX and Equifax due to inaccuracies XXXX XXXX XXXX needs to be removed from credit report. All credit bureaus have to report all the same. My request was denied.

Company response to consumer: Closed with non-monetary relief