BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-11-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
it says i owe XXXX dollars  with navient from when i was at XXXX XXXX college but when they were in that lawsuit i have pics on my credit reporting showing that it was paid off but navient called me a liar saying there was no lawsuit and saying it wasnt paid off this was all said over emails on their website and over the phone let me remind u in the pics im sending it says ive made payments wich i have not because im struggling these showed up when they had their lawsuit thats how i know it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX drafted my account for {$960.00} on XX/XX/2021. I had revoked authorization with my insurance agent on XX/XX/2021 because I changed auto insurance carrier to XXXX XXXX. I contacted Wells Fargo on XX/XX/2021 to complete a Written Statement of Unauthorized Debit Form to have the entry returned as a Revoked Authorization ( as the NACHA Rules allow since 60 days have not passed ). I spoke to three different Wells Fargo employees on the phone that did not know what a Written Statement of Unauthorized Debit form was. I was told by all three employees that Wells Fargo can not return an ACH transaction as unauthorized after it has posted. The only thing that could be done is stop payment on future transactions and open a claim ticket to be investigated by Regulation E. 
Because 60 days has not passed, Regulation E does not yet apply. The ACH entry should have been returned by the ACH department as R07-Revoked Authorization. I know this information because I am an Accredited ACH Professional ( AAP ). 
I appreciate the CFPB 's assistance on this matter. This entry needs to be returned before the 60-day deadline passes.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-09-28
Company: EQUIFAX, INC.
State: NJ
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:
I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Lockhart, Morris & Montgomery Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen by the original creditor about XXXX years ago. After I never received a bill I contacted them they admitted fault and that it would not be sent to collections on a recorded line. To be safe I went ahead and sent the payment through XXXX directly to the creditor before I even got the bill because I when I called I was also given the amount and where payment needed to go and I didnt want to wait incase they made another mistake which they did. Which didnt surprise me because I had many concerning clerical issues during my original visit which I thought was corrected but came to find out was not when I talked to someone on the phone and apparently it still isnt because I never got the bill, yet the check was cashed, and I have been harassed in and off for the last XXXX years to pay a debit for a XXXX that I have already paid. Not only hurting my credit but also constantly reminding of a very hard time in my life. AND I am trying to buy a house and this does not look good. This has hurt my life in multiple ways. Any time I see the amount show up on my credit I dispute it and it gets removed. The most recent dispute in XX/XX/2023 was denied. I have attached a copy of the front and back of the cashed check showing the full amount paid to the original creditor. Please just remove it once and for all for good and leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
credit account company reports that I didn't pay a balance of a credit card in XXXX  when I was only XXXX years of age. account information is not accurate and to my understanding people XXXX  XXXX are not even able to pull credit cards out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it may concern : I am a NetSpend customer and I have had checks sent by mail through NetSpend whom informed me that you have all of their archived checks. 
I am currently having a financial dispute with a creditor and they claim that they have no record of the checks that I sent through the NetSpend app, even though the checks are prefunded and are coming back as 'cashed. ' This creditor is requiring that I produce copies of the voided/cancelled checks that I claim as proof of payment before they credit my account with the funds these checks represented. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 
My phone number is : XXXX. And my email address is XXXX. 
The checks I speak of that were issued through my NetSpend account are : # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
I would be grateful and pleased if you could forward copies of those checks only to me at my above contact information. 

Thank you for your time and hopeful assistance with this matter. 

P.S. None of your customer service representatives seem able to help me. 

Sincerely yours,. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please refer to previous complaints that I submitted they continuously violate the law!! 
As per the FCRA you refusal to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly DELETE AND BLOCK the Inaccurate disputed information. 

Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion the disputed fraudulent accounts, You are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 
Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by 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 2022-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

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 XXXX XXXX XXXX XXXX has violated my rights. 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 an 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 2019-07-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage is currently being serviced by Lakeview Loan Servicing , LLC subservicing by XXXX. They are very frustrating to work with I wish I didn't have to work with them. I have submitted my proof of XXXX XXXX owners insurance to them a total of 4 times. 3 times through XXXX  by calling XXXX and having them submit the correct documents, and another time directly through their website and even got a confirmation that I submitted the proof of homeowners insurance. But XXXX is still claiming they need proof of insurance. Every time I try to call them I wait on hold for over 30 minutes and I even try their call back feature and it never works. Today I was on hold for over 1 hour an still never spoke to anyone. I also paid for my XXXX homeowners insurance out of my own pocket, but that I why I have an escrow account, to cover my insurance but it was not paid for by the escrow account. So I need to withdraw funds from my escrow account to cover the money I spent. I also tried to submit a contact form though my online loan care profile but the website is broken and doesn't work. See attached screen shots of website broken, long wait times, website claiming they need my update homeowner insurance docs.

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 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
On Equifax most recent communication they sent me a letter stating that information on my credit file won't be blocked in general. I had provided all needed documentation tp proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to Block XXXX XXXX XXXX from my Credit Files as this account is the result of Identity Theft. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting 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 credit line increase and was denied by Capital one stating that there is legal action pending against the applicant. When I called and spoke with them I was not given a clear answer. Was ask if if I have a judgment or a garnishment against me in which I replied no. I also stated that I have XXXX accounts in collection as well, and was advised to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Paypal Holdings, Inc
State: AL
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:
PAYPAL payment services is refusing to provide a refund on a disputed charge for {$190.00} for a purchased Medical Device from XXXX which was returned well within the 60 day period, USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX  Medical device was quickly returned at my expense as is caused pain in my XXXX XXXX XXXX spouse 's back rather than relieving it. This business has XXXX  complaints on failure to provide refunds. They had advertised a free 60-day trial and now have removed that, however that is inconsequential given the 60 day Fair Credit Reporting act that applies on returns. I in turn filed a XXXX XXXX dispute as that is how I was charged by PAYPAL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2019 I took a vehicle on load financed by Huntington Bank. I took the vehicle from XXXX XXXX which was defected and the condition of the vehicle was not disclosed by the Salesperson. 

The vehicle become inoperable in less than XXXX hours and was later towed to the dealership location. I was made to get a bad vehicle for about {$16000.00} under deception ; the vehicle was returned the same day. The vehicle was later auctioned and I am stuck with a balance of about {$4700.00} and this balance is been reported on my credit. 

The vehicle was bad and the transaction was carried out under deception. The vehicle was returned in less than XXXX hours as the problems with the vehicles were not disclosed prior to completion of the transaction. Therefore, I am requesting that the balance on the account be wipe-out. I believed I was scammed throughout the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: AMERICAN EXPRESS COMPANY
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am currently XXXX XXXX military and have been since XXXX. I contacted American Express about my account back in XXXX after completing boot camp to inquire/apply for SCRA Relief benefits to my account which was jointly owned between my wife and I since 2018. My wife is the primary account holder and I am the secondary. The representative I had spoken to said that under the SCRA my annual membership fee would be waived and that American Express goes above and beyond for the SCRA 's cap of 6 % interest and charges 0 % interest while the member is XXXX XXXX and up to 180 days past the service member 's discharge date. 

In XXXX, I decided to look through my American Express statements after returning home from XXXX and discovered that I was still being charged the original interest rate which was above the cap of 6 % that SCRA is supposed to provide. I called into AMEX on XXXX and the representative I talked to confirmed my account had SCRA benefits applied and opened a case to find out why the interest rate was still being charged and to request all interest charges to be credited back to my account that were incorrectly billed. We were told the investigation would take up to 60 days. We followed up at the end of XXXX to find out that there had not been any activity on our case at all. The representative stated they would escalate the case. My wife and I followed up again several times in XXXX to finally be told that our case had been denied. I called back after coming home from a detachment in XXXX and they stated that I was not enrolled in SCRA and they would have to open a new case to re-apply SCRA Relief onto my account and we would receive a follow-up call in 14 business days. My wife called in tonight XXXX ( we live in XXXX ), to find out the case was closed ( we have never received any sort of follow-up or communication from AMEX, we always have to call in and incur international calling charges because we are stationed in XXXX ) XXXX The representative stated that the case was closed because they could not find and record of me in the government system they used to verify service members. I called back after my wife got off the phone to see if they ran my SSN or my wife 's and the representative stated that he thought my wife 's, but couldn't confirm. I asked if I could send in a copy of my XXXX XXXX orders, and the representative stated that I could not. He re-opened what would now be the 5th or 6th case on my account. We have been working on this issue for 5 months now without any type of resolution, and we are still incurring interest charges. If needed, I can submit a copy of my orders with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORTXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.

Company response to consumer: Closed with non-monetary relief