BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have tried to contact XXXX/transunion / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response

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 2023-03-08
Company: National Credit Systems,Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX due to XXXX XXXX XXXXXXXX management not being able to hold up their part of the contract which is to provide a safe place of living for my family. Many incidents happened in the short time from when we moved in and i made the property management aware ans they were unable to fix it so we moved out. We were in communication by email and phone with XXXX XXXX who works in the office there. Our final move out bill was {$480.00} which was given to us on XX/XX/XXXX. No other fees due to landlord tenant rules in Hawaii where they failed to uphold their end of the lease. I have police reports and other emails. On our credit report it is being reported that we owe {$5500.00} by National Credit Systems. XX/XX/XXXX I sent a email and letter to both XXXX XXXX XXXX and the collections agency and none responded. Myself and my XXXX other family members on the lease have disputed this on our credit reports and no success. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tried to set up at mediation before i take them to court and now XXXX XXXX XXXX Management is saying they have no record of me at all. I have a letter from the mediation center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX, I was charged again for a XXXX XXXX monthly bill. This overdrafted my account to - {$120.00}. 

I was unable to get the account to {$0.00} or positive by the EOD, and the following day the overdraft fee made the balance a - {$160.00}. 

My only way to get the account back to {$0.00} or positive is to wait for my income. It is a bi-weekly payday, which falls on every other Wednesday. By the time my payday came on XXXX, I had racked up or incurred ( 3 ) overdraft fees. When I reached out the next business day, they pleasantly informed me that they would not be able to help me out which was a rather large surprise. In my XXXX years of banking experience as a customer, I have never had my overdraft fee not returned and I have had XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX now XXXX, and Citizens now XXXX 

Reviewing online, it seems to be public information that it is not legal to charge an overdraft fee and then not return the fee once the account is brought back to positive. My financial advisor advised that I file a complaint with yourselves, The CFPB, once I shared that my bank had refused to refund the ( 3 ) fees.

Citizens Bank, for the first time, is saying we give each account ( 1 ) courtesy return on their overdraft fee and I do not qualify as it has been used. I argue that this " rule '' is made up. As proof, I attached a screenshot from my email showing ( 9 ) times that Citizens has rebated the overdraft fee on my account, and multiple times there were ( 2 ) or ( 3 ) overdraft fees returned at the same time such as in XXXX, XXXX and XXXX. I would like the fair treatment that I received earlier this year to be honored and continued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. 

I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2020-04-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OR
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: CA
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:
I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX XXXX

SHOWS ON XXXX  AND XXXX:
-fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONLY SHOWS ON XXXX  -XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: MA
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:
Last year, XXXX, I became aware of a negative item from JPMCB Card Services appearing on my credit report with all three major credit reporting services. An account with JPMCB was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by JPMCB. I then wrote JPMCB on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from JPMCB dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing  my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting 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 checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX  in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.

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 2022-12-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For months, Navy Federal has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I XXXX XXXX is sending this letter in regards to a debt that have no clue of. I am sending this message due to the fact that i received threatening phone calls of my my bank account, money and more being seized. During the month of XXXX i've received more than 50 phone calls reading on my caller id Scam Likely and other fictious name and numbers that i've never ever seen. According to several FCRA laws, a debt collection agency must take the correct steps to attempt to collect a debt. You must prove that the debt is owed, provide original contracts with my wet signature on it. I am not asking for a copy of a statement nor am i asking for any copy of a contract but only an original contract. I am allowing 5 business days for this issue to be resolved. In your attempt to collect a debt that isn't owed and i have no clue of, you've violated several laws. You can contact me through my email and i waiting upon your reply. I am asking that you stop calling me and threatening me about garnishing wages, sending me to jail, sending letters to any address associated with my name. Do not force yourself or any of your employees on to property acting as if you're an officer. If this isn't resolve within 3-5 business days i am going to be contacting my lawyer and take the initial steps to ensure that your company pay the consequences for your actions. If you can't provide any original contract with my wet signature please do not contact me and remove my name from your directory permanently and immediately. If you attempt to try and repost it back onto my credit, i will sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual  forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away OFFICE OF THE ATTY GEN XXXX Balance : {$4000.00}.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Case number : XXXX with the Consumer Financial Protection Bureau I have filed this case almost one month ago ; and the credit reporting company TRANSUNION has violated my rights by publicly sharing WRONG INFORMATION ABOUT ME TO CREDITORS. 

In fact, under the provisions of the Fair Credit Reporting Act, it has come to my attention that Transunion place wrong information in my credit report. 

I asked Transunion to fix incorrect information about delayed payments on my account and wrong credit card balances. However, they did not fix the problem. Transunion has potentially violated my rights. 

I would like to draw your attention to the pertinent legal guideline, 15 USC-168, Section 602A, which explicitly affirms my entitlement to privacy. Moreover, the stipulations within 15 USC 1681, Section 604A, Section 2, underscores that a consumer reporting agency is prohibited from disclosing an account in the absence of my written consent.

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