BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-03-16
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I deposited a check of {$150000.00} to my Chase bank account. I got a notice of delayed availability that the funds would be available on XX/XX/XXXX when I checked back on XX/XX/XXXX, the funds were available, but a week later, on XX/XX/XXXX, when I tried to excess my bank account, I couldn't. 
I called Chase and asked them what was going on, and they answered that because they could not verify the check, they closed the account and suspended the {$150000.00} with not notifying me.

So I made a conference call with Chase and the maker of the check so they could verify it with him, but Chase didn't accept it. They told me they needed to call the check maker on a verified number, so we gave them the check maker 's number, but Chase told us that his number was not verified. So we asked Chase how we verify his number, but they didn't give us a way to verify it. 
So I offered Chase 2 other options to verify the check XXXX ) I can come down to the branch with the maker of the check to verify the check or XXXX ) I provide them with the number of the bank of the check maker so they can call his bank to verify the check but that didn't accept this that just repeated, again and again, that need to call the maker on a verified number and that don't have a verified number. 
The next day I went into the Chase branch and explained my problem they understood and tried to help me but they could not help me because they needed to call the same Chase back office I called the day before and got the same answer. 
So I contacted the maker of the check who contacted his bank and asked them to contact Chase but as they said " Chase was giving us the run-around '' so for now the chase has the money locked with no path for me to retrieve the funds. Which is high robbery!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}

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 2022-08-07
Company: WELLS FARGO & COMPANY
State: NY
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/2019 an account at wells fargo was established in my name, I noticed that fraud account was reporting on my credit report and tried disputing this account multiple times as identity theft fraud and the end result is, the account is still reporting on my credit report as charged off. when I called wells fargo and supplied the customer rep with my social to look up this account, the account could not be found. I supplied the rep with the account number that i received and was told that the ssn doesn't match what's on their file. I have filed another dispute with the credit agencies to have this information removed from my credit report. I asked for validation of this debt, I have yet to receive it. this fraudulent account has lowered my credit score and held me back from getting approved by apartments, this account has cause me unnecessary hardship. I need this account removed from my credit report and compensation for the hardship I endured. 

the ssn number on the account or application doesn't belong to me, this account needs to be removed

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 2023-05-31
Company: Resurgent Capital Services L.P.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
Between XXXX of XXXX and XX/XX/XXXX there were 185 fraudulent XXXX transactions on my card which Chases Fraud Department did not capture and I was not aware of. I made numerous attempts to resolve this matter and contacted Chase on more than 30 occasions between XXXX and XX/XX/XXXX. In XXXX, I received a letter stating I would be made responsible for these fraudulent charges. After an exhausting process of attempting to resolve this, I decided to inquire into a lump-sump settlement only to discover Chase would only allow for {$300.00} reduction in my total balance. 
I also attempted to qualify for a interest rate reduction and did not qualify for this. 

I am requesting Chase to take partial responsibility in this situation as their Fraud department should have alerted me of the excessive Lift charges applied to my account, especially since this activity is not typical for my transaction history. 

As a consumer, I am making diligent attempts to resolve this and it appears Chase is not willing to follow through on their promise to be a customer service focused company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Northstar Location Services, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from Northstar Location Services. She stated she was calling on behalf of XXXX and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by XXXX. However, I also found out that XXXX is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called Northstar back to provide this information, I was then informed they are a debt collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-05-31
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, I received an email from US Bank, stating a payment of {$800.00} had been sent from my US bank account to a XXXX XXXX, via XXXX. I have never desired or attempted to apply for XXXX. When I tried to sign in to my account, I was blocked out. I called the number provided and set up an appointment to visit the branch office, to close out my old account and open a new one. I was told, at the end of the appointment, that I would receive a call to set up a new login and pin for the new account ; that call never came. I was also told that I would be receiving a new debit card and checks in the mail. As of today, XX/XX/2023, I have received neither. I did, however, receive a letter from US Bank stating that my complaint, regarding the {$800.00}, taken from my account had been denied.

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 2023-03-17
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 2018-10-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
ada.gov Americans with Disabilities Act Discrimination Complaint Form Please retain and refer to the following reference number for any correspondence concerning this complaint : XXXX Message by You : Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges., Thursday, XX/XX/2018, XXXX XXXX   Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges. 
XX/XX/XXXX, XXXX XXXX  Message by You : The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother?, Tuesday, XX/XX/2018, XXXX XXXX The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother? 

AMERICAN EDUCATION SERVICES Account Name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ALLY FINANCIAL INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Ally Bank changed the limits for transferring money via XXXX without notification. The new {$500.00} limit is unreasonably low for an account in good standing, and no advance notice was provided. This last-minute change is preventing my from paying my rent on time -- with potentially severe consequences of fees/penalties, inability to renew/extend my lease, or in a worst case eviction for missing the payment. 

For multiple years, I have leveraged Ally Bank 's XXXX money transfer functionality to pay my rent. I have kept the same dollar amount of {$1400.00} on the same day of the month with no complaints or issues. 

However, today I received an automated email from Ally " We canceled your payment to [ name removed ] because : You have exceeded the acceptable number of payments or amount of money that could be sent within a certain time period. '' This was the one and only record of this change I could find. If I had received advance notice I would still have been inconvenienced, but could have at lease made other arrangements. 

In fact, three days prior to this cancellation I received an email from Ally " RemindeXXXX : Your next payment to [ name removed ] will be processed in 3 days '' with the full details including the dollar amount. 

I called an Ally representative and they were unable to provide information as the reason for this change, or sufficient alternate options such as the ability to my account to be approved for higher limits.

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 2021-03-30
Company: Synovus Bank
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.

Company response to consumer: Closed with explanation