BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my third attempt trying to handle this matter with National Credit System. 

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe, I have not received the following documentation from you # XXXX : Validation of the debt ( the actual accounting ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; A copy of the contract signed by both parties and therefore binding both parties. 
Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Payment history from original creditor A non negotiable estoppel notice was sent XX/XX/XXXX ( CM # XXXX ) and XXXX XXXX ( CM # XXXX ) requesting the creditor to removed the following account : National Credit SystemXXXX XXXX XXXX XXXX XXXX {$3000.00}. 


Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. ) 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. ) 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5. ) 15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. ) 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is from my sister 's education loan from XXXX ( now owned by wells fargo ). I am the cosigner. 
The loan was issued in XX/XX/XXXX and in repayment since XX/XX/XXXX. Its monthly payment has a due date on XXXX  of each month with a grace period of 10 days. 
However, since the beginning of XX/XX/XXXX wells fargo started contacting me, harassing me by phone and mail, demanding payment as soon as the XXXX of the month. 
The last harassing call I got was in XX/XX/XXXX, after I told them to stop or I would report them. 
The collection letters keep arriving in the mail. I am attaching the last one from XX/XX/XXXX. 
Since XX/XX/XXXX no monthly payment has been missed and made within the grace period. 
The loan is 2/3 paid.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative accounts.I sent out request to the original contractors asking for proof and all I received was a bill. Experian does nothing to assist in this matter and continue to report on my credit please assist in these

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 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from Bank Of America. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit 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:
I previously disputed a credit card bill from FNBO credit card issued to my now deceased husband, and file a CFPB complaint XXXX. FNBO response references a XXXX XXXX XXXXXXXX Credit Card Account, and refers to a letter dated XXXX XXXX, 2023 which states " A third party verification service reviewed the application and provided us with information indicating you completed the application ''. 

I have requested clarification regarding the XXXX XXXX XXXXXXXX Credit Card Account and copies of the third party verification and the application reference. I further asked for clarification of the distinction between joint ownership and primary cardholder As I explained my now deceased husband applied for the FNBO Credit card before we were married. I never applied to be included on the account and I never used the Credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Newport Intermediate Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
The company XXXX issued me a rewards gift card on XX/XX/XXXX, shipped XX/XX/XXXX, and received by me XX/XX/XXXX for {$250.00}. The expiration date of the physical card was less than 6 months at XX/XX/XXXX. I found out today, XX/XX/XXXX, less than 6 months after I physically received and could use the card, that the physical card is expired, but that the card issuer could reissue a new card for a {$12.00} fee. But I also have to physically print off the form and physically mail the form, another obstacle the issuer is using. To replace the card with a new and valid expiration date, the card issuer is attempting to charge me {$12.00} fee. I was under the impression that I am entitled to this card and access to my {$250.00} for up to 5 years, and that no fees could legally be charged for up to 12 months after issuance, by the issuer. The 6 month expiration date funnels people towards a {$12.00} reissue fee, that is no where described on the card, and seems to violate my rights to access my gift cards funds free of charge within the first 12 months after issuance. What can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I had two student loans disbursed totalling {$120000.00}. 
I had been paying $ XXXX every month until Covid forbearance in XXXX. 
My total payments over 20 years have been {$120000.00}. 
Navient claims that I have an unpaid principal balance of {$66000.00}. 
This is clearly an example of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by Capital One on XX/XX/2023 for a credit card application that I did not submit. I contacted Capital one and reported this fraudulent application. Capital one cancelled the fraudulent application and will contact XXXX XXXX and XXXX to remove the hard inquiry. Capital One advised me to follow up with a complaint to the credit bureau. Capital One also asked me to allow XXXX business days for this complaint to be complete. And XXXX days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Accudata Credit Systems LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NM
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:
Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( XXXX, XXXX, Experian ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/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 2023-05-30
Company: Experian Information Solutions 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 2019-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XXXX XXXX and XXXX XXXX there were three attempts to withdraw funds from my checking account with Bank of America. Two, were successful resulting in XXXX dollars being taken out of my account. The third attempt was at a bank of america ATM where apparently it was denied because they incorrectly put in the pin. Based on their " investigation '' they determined that I was was the one responsible for these purchases. When talking to the last representative about the about the attempts on my account and their decision they had no knowledge about last attempt at their own ATM. If they had done a proper investigation based on the initial report I made where I pointed out all three transaction as not being mine, they would have been able to go back and look at their own cameras and see I was not the one withdrawing funds. Instead, they came to that decision and I would later be told that my claim would be sent be for reconsideration after I again pointed out that their decisions was made without even looking at their own cameras. I was told the process would take up to 45 and Ive been patiently waiting for a response. However Bank of America has taken it up in themselves to, without any approval from me, start removing funds from another account I had with them. I feel this is totally unacceptable, and a total invasion of privacy and trust. I want bank of america to do a proper investigation and promptly return all funds.

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 2023-07-04
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX just put a bill for charges they admitted to me over the phone that this amount XXXX was for equipment that was incorrect because they then said I paid off my equipment so I spoke 5 times to XXXX and was assured they would correct this but no I see this today now on my report and I am trying to fight so hard to be treated fairly and have accurate information on my reports with all 3 beaures but I am getting no where just treated very unfair Im XXXX and about to contact the fair treatment for XXXX people this is insanity all I need to complain about

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 2020-09-25
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was turned down for foreclosure assistance. The investor doesn't offer any type of assistance. I have completed a mortgage application and was first told it will not be looked at because it was less than 37 days. My auction date is XX/XX/XXXX and the application was submitted and completed XX/XX/XXXX. I was informed that closed the file on XX/XX/XXXX. I've been in contact with Fay Servicing since XX/XX/XXXX and no assistance has been offered just proceeding with the foreclosure process. I, along with XXXX XXXX XXXX XXXX have been in weekly contact with Fay Servicing trying to get Fay Servicing to speak with me and verify I was the successor in interest. I have sent in numerous court documents showing my interest in the property ( I reside in ). I have emails of me reaching out to the foreclosure attorney expressing how Fay Servicing was not trying help me or look at my court documents. It was not until XX/XX/XXXX XXXX XXXX XXXX took another step and put pressure on Fay Servicing and after months of stress and worry I was finally confirmed Successor In Interest when I was confirmed over a year ago. In the mean time Fay Servicing is still processing a foreclosure even though I had an open case for assistance. I can never reach my relationship manager and if you speak with another manager they all say the same thing, you need to speak with your manger there is nothing I can do. Since XX/XX/XXXX I have left voicemails and emails for my relationship manager. I still have an auction date set for XX/XX/XXXX and need {$35000.00} to bring my account current. I don't have that type of money and if I did I would just pay the past due and go on with my life. This is maybe my 4 complaint against the company. I even had XXXX XXXX agency assisting in the matter. They made conference calls and heard the non nonchalant concerns regarding my account. I feel as if this is a ploy to foreclosure on my home without providing assistance. I was told my house has no equity and that's not true. The house is valued close to $ XXXX and I owe {$83000.00}. I just need help and justice as I feel Fay Serving is  trying to take my home

Company response to consumer: Closed with explanation