BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Certegy Holdings, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Certegy Check Services did not OK an attempted check payment for {$210.00} at XXXX on XX/XX/2020, in XXXX Texas. When contacting this service I was informed that verification data required was not given. This happened because the store clerk at XXXX was unsure what bar code to scan from my drivers licence and I guess he scan the wrong area. Fine, after looking at my drivers licence, I would have been confused also. However, a few days later I was notified that my credit score was lowered 17 points. For sure, there was no other reason for my credit score to drop. I maintain a very high checking account balance and all my bills are paid before due dates.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : Transunion : 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 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education XXXX Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: AMERICAN EXPRESS COMPANY
State: MO
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/XXXX, I received a letter from American Express that advised that they had made the decision to close my credit card account ( ending XXXX ). The reason for closure was because they had received " new '' information related to my account that was grounds for termination. Keep in mind, I have had this account for four ( 4 ) years at a line of {$1000.00}. For the past 12-18 months or longer there has been no charges on the account, I have never been late with the payment. There have been no disputes or chargebacks on the account either. When I pressed the agent, she kept saying there was new information that caused them to make this decision. I advised that they review credit scores on a monthly file most likely and I admit my score has dipped, but keep in mind, lets assume that happened in XX/XX/XXXX, the decline would have occurred, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and yet no call, not notice and no changes to the account. Again, there is no balance. The steps that AMEX took were a cost measure, because I am not transacting. So rather than talk to me about that, they decide to take action that has disparate impact to me. You close my account and therefore, hurt me because it further impacts my score negatively by closing by creditor. This decision was made by some program or actuary without thought of the impact top the consumer all because I am not transacting ... not due to something I have done. After my call, they promised to review the decision. As I suspected, this was a lie because I received a letter two days later further clarifying it was my fico that was the key issue. Which is interesting because again, as I stated the FICO was most likely declining or declined since XX/XX/XXXX. What is there risk? If I close the account, they are owed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, XXXX Account # 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 permissions and instructions.

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 2019-10-12
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.

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 2023-03-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient claims that my student loans are Department of Education loans serviced by Navient. Navient claims that as Department of Education loans, my loans are federally guaranteed loans ( e.g., can not be discharged through bankruptcy ), but since they are serviced by Navient I have none of the benefits and protections of of other Department of Education loans ( e.g., no interest accrual on loans during Covid non payment periods ). I accrued thousands of dollars in student loan interest during Covid. I have complained to a Navient about this, that it does not make sense that Navient gets all the federal benefits and protections on my loans and I get none. I do not think this is fair. I have attached communications with Navient regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Strategic Alliances, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hi, I fell behind on a loan with XXXX XXXX. I due owe a debt to XXXX XXXX, that is not the problem. The problem was someone calling claiming to be a third party debt collection agency here in XXXX. The caller used a stage name and refused to contact me via email or US Mail. He also used racially-charged language and claimed he could show up at my employer if I didn't give him my credit card number. Also, he said that XXXX XXXX has charged off my account which is false. XXXX XXXX said I can simply begin to pay back the loan as my situation improves. 

The person in question is XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX. He has been calling my underage son at his school. My son 's teacher answered my son 's phone XXXX XXXX XXXX made a threatening remark, hung up, and kept calling throughout the day. 
I am a retired XXXX XXXX and had to return to day work after my wife passed away. I was fired from another assignment simply because I was " overqualified '' and now am working three jobs just to make it by. I have made a video of XXXX XXXX XXXX and attached the video herein. He is a wanted felon out of the state of Illinois and moves from one HUD household to the other. I know where he currently lives, gets liquored up and where we frequent adult entertainment in XXXX, OH. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: GA
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 made several attempts to dispute incorrect late reporting to the credit agencies for the following accounts : XXXX is incorrectly showing 60 days late in XX/XX/XXXXand XX/XX/XXXX ; or XX/XX/XXXX showing 30 days late. 

XXXX 'XXXX  XXXX  XXXX is incorrectly showing 30 days late XX/XX/XXXX XXXX XXXX/XXXX XXXX is incorrectly showing 60 days late in XX/XX/XXXX. 

XXXX is incorrectly reporting XXXX XXXX XXXX 90 days late in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially XXXX. Moreover, I attach a XX/XX/2023 XXXX screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I had unauthorized ATM withdraws from my savings account using a debit card from different locations of Wells Fargo of {$4100.00}. I called the bank to report this locally and to their fraud dept. They said they could not pull the video to see who withdrew this money and I had to call the police. I called the police and reported the crime. The Police supenoa all the banks the money was taken from. The response from all of the bank locations was that they no longer had the video images! Wells Fargo will still not return my funds. This all happened in the state of Maryland

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 2021-07-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo atm ate up my money and wont return it. This incident happened on the XX/XX/XXXX, between XXXX XXXX-XXXX XXXX  and the total amount is {$2100.00}. 

I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldnt and after 5 minutes of it trying, it just jammed up, and an error popped up The ATM can not accept any deposits at the moment. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldnt do anything because the ATM was not serviced by them. They told me to call the 1800 number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. 

I submitted the claim at XXXX XXXX  on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there werent any mistakes this time. Fast forward to today ( XX/XX/XXXX ) they told me that my claim was denied because they couldnt find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. 

The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2022-05-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just made a payment in the amount of {$520.00} on XX/XX/19 - it is due XX/XX/XXXX ; the company site shows the payment as processing with a {$0.00} due at this time. I received an email just now from them indicating my payment is due soon and that the amount is {$1800.00}. 

Also, when I have received several emails about re-certifying my income-sensitive repayment which I have done also - through their site. I have serious health issues & am trying to start to make payments however this extremely upsetting & far more stressful than just deferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: WA
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:
Back in XXXX of 2023, I purchased an item from an online vendor. The item purchased was a carbon fiber mirror cap for my vehicle. Unfortunately, this vendor purchased the mirror cap from a different vendor in XXXX and when the item was shipped from XXXX, the item was damaged during transit. Upon receiving the item and inspecting it, I reached out to the vendor and notified them of the damage and wanted to get a refund. The vendor then goes on to say that the item was shipped in good condition which doesn't matter since items can get damaged during transit and happens all the time due to various reasons, XXXX of them being poor packaging. I asked the vendor for a refund and to provide a return shipping label. They agreed to a refund however they can't provide a return label without proof that the part does not fit. I recorded a video showing that it does not fit and even took it to an autobody shop and had XXXX of the mechanics try installing it. They provided me with an invoice stating that the part does not fit. After providing the proof to the vendor, they denied a shipping label and stated that I would have to pay for return shipping back to XXXX which would cost a lot of money for a part that was damaged and doesn't even fit my vehicle. I then disputed the transaction with my bank Chase to which they denied my claim. I had faxed over supporting documents and they still denied my claim. Their reason for denying my claim was " The vendor had sent in pictures showing the item was not damaged before shipping '' which doesn't make sense since they do not physically take pictures of every item before shipping, which would mean they had taken a picture of another similar item to provide as proof that it wasn't damaged and not the fact that the part doesn't even fit. I called Chase claims department to reverse their decision and they said " you would have to figure out another way to get your money back such as contacting the vendor. '' If I could get my money back from the vendor directly, there wouldn't even be a need to file a dispute. The disputed amount is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled.

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud.

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.

Company response to consumer: Closed with explanation