BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
I 'm concerned at how a company is allowed to place items on a consumer report without providing any validate what so ever. On XX/XX/XXXX I submitted for this to be investigated and of course, Midland using all their illegal tactics, was able to get it closed through CFPB. Since then the accounts that they can not verify as being mine has been removed, placed back on file, closed, reopened several times, which has totally destroyed my credit.
My concern is how are they able to continue these actions and the CFPB protects them?
At this time I have yet to receive a validation of any of the 3 accounts they are claiming to be mine. I started this in XX/XX/XXXX, and the CFPB has done nothing at all. 
This company can not provide a validation as to they do n't have any agreement with me at all. My last credit check also reported these accounts in collections and a month prior all 3 reported closed. This action is purposely damaging my credit file.
This company has multiple discrepancies they have place on my credit file.
This will result in lawsuit as I have been monitoring and documenting all the activities that they have been doing with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My identity was compromised and the attached credit cards were created without my knowledge and charges were made, all without my knowledge

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 2021-06-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have been trying to work with my mortgage but have only been given a run around. At first they failed to help me when they advised they never received documents and my loan modification was in limbo. Then I asked them to review me for a loan modification but they gave me a partial claim that does not help my situation. I am trying to be in a better financial situation than where I started. They advised it would take a few weeks to remove the partial claim in order to get my loan modification review started. Now, 2 months later and they have yet to review my account for an actual loan modification.

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 2017-11-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of identity theft. Bank of America has been extremely unhelpful in getting all fraudulent accounts in my name closed. 

On XX/XX/2022, I discovered someone had fraudulently opened a checking account in my name with Bank of America ( " BofA '' ). When I called BofA to have the account closed, I was placed on hold for almost one hour before finally reaching a representative. They told me they had closed the account, and that they would send a letter of correspondence to my address. I noted that the address on the fraudulent account was NOT correct, and the representative stated that they would note the correct address on my case to ensure accurate delivery. I was told the request for a letter would take 24 to 48 hours. 

On XX/XX/2022, I discovered another fraudulent checking account in my name with BofA. I called BofA again, and they stated that they had closed the account. I asked them to confirm the address the letter of correspondence would be sent out to. They, again, gave me the incorrect address. I, again, gave them the correct address, and they stated they would make a note on my case to ensure accurate delivery. They refused to provide anything in writing, stating they were unable to do so. 

On XX/XX/2022, I discovered ANOTHER fraudulent checking account in my name with BofA. I called BofA again to close the account. I asked the representative why I had not received my letter yet, neither by email nor snail-mail. They stated that their analysts had the request, but it would take " additional time '' to process. I requested escalation to management. The manager I spoke with put in an expedited request for the letter 's delivery. When they attempted to confirm the address, they STILL had the incorrect address on file. The manager assured me the correct address would be notated in the expedited request. 

On XX/XX/2022, the letter of correspondence was sent to the wrong address despite numerous attempts at correcting the mistake. 

On XX/XX/2022, XXXX XXXX ( " XXXX '' ) notified me of a FOURTH fraudulent account with BofA. This account was opened on the same day as the third account, and was open for almost two weeks before it was closed on XX/XX/2022. At this time, it was revealed that NOT ONCE DID BofA FLAG ME AS A VICTIM OF IDENTITY THEFT. This is why the perpetrator was able to continue opening fraudulent checking accounts in my name. I was told - again - that I could not receive anything in writing confirming anything that transpired over the phone with BofA representatives, and that I would have to, yet again, wait for a letter of correspondence.

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 2017-04-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've had a XXXX, now Navient student loan in the amount of {$5000.00} for the past few years. Since XX/XX/XXXX I 've made payments totaling a little bit over {$4000.00} and yet my loan amount has barely changed. According to XXXX I still owe {$4700.00}, even tho I 've made over {$4000.00} in payments. That just does n't make sense. In XX/XX/XXXX, I served as an XXXX XXXX XXXX, as a federal XXXX all of my loans private and federal were suppose to go into deferment. When I called XXXX to ask for public service deferment, they refused and the representative was rude to me on the phone. I explained to them that I was n't working and have a letter from the XXXX, proving my volunteer status and lack of income. The rep said that it did n't matter that I could not be granted forbearance or deferment. Then I called back to see if they could at least lower my payments and they refused that as well. After my volunteer service I started working and made payments when I was able to. In XX/XX/XXXX I experienced some hardship which resulted in my not being able to pay my full monthly payments. I called XXXX/Navient several times to ask for a deferment or forbearance and the representatives denied my request again. Since I was n't able to make full monthly payments, I paid what I could when I could, which was less than the monthly payments, but it was what I could afford. In XX/XX/XXXX, I became unemployed and called XXXX to try and see if they could at least lower my monthly payments or at least grant me forbearance. The representative I spoke with was very rude, she told me that if I could n't pay for my student loans that I should borrow money from people to do so. I told the rep that borrowing money from friends is not an option and how dare she even suggest that, I asked to speak to a manager and that individual was just as rude. I told them that I was unemployed at the time and would be going on a volunteer assignment for school. The representative, told me that there 's nothing that they could do for me and had the guts to tell me that I should be looking for work instead of doing volunteer assignments for school. When I responded and told her that she had no right to talk to me in that manner the representative proceeded to argue with me. They refused to lower my payments or grant me forbearance. Despite the fact that I 've been making payments when possible, Navient has continued to call and harass me and my cosigner. They called my cosigner and threatened to garnish his wages if they do n't receive full payments and call at least 5 to 6 times a day. I 've been making payments, thus there is no reason for them to behave in such a manner, they have caused us a lot of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022 a notice was delivered via certified mail to XXXX XXXX XXXX XXXX ) in XXXX IL. A conditional acceptance was sent to the CEO and no lawful response was given to this administrative process. XXXX violates XXXX Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. Avant HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST FIVE ( 5 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

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 2018-11-06
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Public record information inaccurate

Complaint:
I'm not sure who to contact higher. 

A bankruptcy attorney/courts added a XXXX  XXXX to my credit report, and I did not officially file. How can it be dismissed when I never filed? Information below : Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved 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 2023-08-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Re : XXXX Acct # XXXX On XXXX XXXX, I purchased a new vehicle from XXXX XXXXXXXX XXXX XXXX NJ . At that point I turned in my XXXX  XXXX XXXX, to that dealership. I was told that the remaining balance of {$840.00} would be rolled into my loan with XXXX XXXX ( I have attached the Authorization for payoff form ). 
However, for years Nissan XXXX is showing up on my credit report with a balance of {$4500.00}, however it shows current and {$0.00} as current payment. 
This debt is not my responsibility, it was supposed to be rolled into my previous vehicle payment. In the three years since I turned in this vehicle, I have never received a bill, and on my credit report, it shows payments are current. 
It is imperative that this debt is removed from my credit report! If I need to provide any additional paperwork to get this removed, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I contacted XXXX TransUnion and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them

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 2021-11-30
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Paypal MasterCard, issued by Synchrony has closed my card without any prior information. They delay payment processing which resulted in my monthly balance increase ( {$920.00}, on XX/XX/XXXX which I paid already ), dropping my credit score. Now they claim that they closed due to my current credit score.

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 2023-08-16
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Last year around XXXX XXXX my vehicle was repossessed. The creditor didnt send me any notices prior to being repossessed. My personal items were damaged that was inside the vehicle once i went to redeem it after calling the police because i thought the truck was stolen. In XXXX of this year I was repossessed again without Notice of default right to cure or notice of sale. I requested documentation on the vehicle and was sent someone elses contract that I do not know. I then reviewed all the documentation the creditor sent and realized they had me unconsciously wave my rights of their wrong doings and other violations thatll lead to me not being responsible for a deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Numerous ( missed ) phone calls weekly from Cavalry Portfolio Services which began XX/XX/2023. These calls were not answered due to my sleep habits of working night shift. I researched company in curiosity and discovered it was a debt collector. My information was recently compromised in XX/XX/2023. I have no knowledge of authorization of my personal information in attempt to collect debt. Please have documentation, with wet signatures, sent for verification. If Cavalry Portfolio Services is unable to provide requested documentation with regard to federal laws please remove information from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  XXXX Account Number: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 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 2023-06-17
Company: WELLS FARGO & COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/23, I received a charge of XXXX from a XXXX store. While I have shopped at XXXX department stores in the past, this is not a charge I made. When I called the XXXX department, I was informed that the charge was made using contactless payment, which is not something I usually use. I suspect I may have been either accidentally charged by a contactless device near my card, or someone may have used such a device near me or my wallet to defraud me. Wells Fargo has acknowledged that but has yet to clear this charge after almost two months, and has been difficult to reach in regards to this matter. In addition, I continue to be charged interest due to this dispute. Also, I have yet to receive a receipt for what was purchased.

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