BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Because I am retired I have to file estimated taxes. In XX/XX/XXXX I wrote a good faith check to the IRS for {$2600.00} mailing it in an IRS envelope to their address Because of the delay for Covid they did not notify me until XX/XX/XXXX that they did not receive my payment and wanted me to pay it again plus penalties and interest My Bank, Citi Bank cashed the check in XX/XX/XXXX leading me to believe that the payment was made I got the check returned in my bank statement. But on examination of the check in XXXX Citi had cashed it to someone else not the IRS The bank will not refund that money into my account I fully believe they are at fault since the IRS normally endorse the check with numbers but this check was signed by two individuals so should never have been cashed by Citi

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 2023-01-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are four fraudulent acocunt that has been opened in my name without my permission. These accounts were opened fraudulently, Ihave advised the creditors and requested documents or a contract showing my signature authorizing them to open this acocunt. They have not sent me anything in 90 days. I have also tried to file a diosute with Experian XXXX and XXXX and they are no help. They keep referring me to the original data furnished and have told them many times i have spoken to the creditors and they send me back to the creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX A XXXX account was opened in my name and social security number. 
XXXX ad XXXX file numbers 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 2020-12-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Resurgent Capital Services sent me a collection notice starting that they manages an account from original creditor XXXX XXXX XXXX, XXXX. regarding current owner LVNV Funding LLC which is a collection company as well stating they have initiated a review of the inquiry to collect a debt for the amount of {$2600.00}. I responded with a letter to validate the debt that they say I owe to them and who gives them a right to collect the debt. This company has not been able to properly validate this debt as of yet. I received a response from them in the mail on XX/XX/XXXX with the account summary of a debt with borrower information including name, address, city, and state, zip code and current account information with the owner which is LVNV Funding LLC, Resurgent reference # the original creditor name and account #, current balance due amount which is {$2600.00}, and date of last payment XX/XX/XXXX. The historical account information stating the original creditor for the account, the origination date, the account charge off date, the account was acquired on or about, the account balance at the time of acquisition. I also received another letter of a bill with my name on it stating I owe this amount. Another validation letter sent to XXXX XXXX , XXXX for the same amount on XX/XX/XXXX asking to properly validate this debt returned with improper validation. Another letter went out on XX/XX/XXXX to properly validate this debt and still not able to validate correctly to prove that I owe this company or the debt. This debt still appear on my XXXX credit reports only. I want this company to stop reporting this to my credit reports because it does not justify a debt I owe and who gives them the right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made payments on XX/XX/2019 that included : XX/XX/2019 interest adjustment {$25.00}, XX/XX/2019 unapplied adjustment {$8.00}, XX/XX/2019 payment with overage {$3600.00} However, I was never informed of these adjustments or overage charge until my account was closed for paying off my loan and looked I looked at my account charges online. When I contacted Wells Fargo they didnt do anything about it because my auto loan account was paid off so they closed 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 explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BACK IN THE MONTHS OF XXXX TO XXXX OF XXXX NELNET FEDERAL STUDENT LEARN SERVICER REPORTED TO THE MAJOR CREDIT BUREAUS THAT MY STUDENT LOANS WERE XXXX DAYS PAST DUE WHEN THEY WERE IN DEFERMENT FOR WHICH I APPLIED FOR AND BECAUSE OF COVID WERE AUTOMATICALLY PLACED DEFEREMENT AND FOREBEARANCE AND ARE NOW CURERENT BECAUSE OF SUCH REASON, CONTACTED LOAN COMPANY AND EXPLAINED SITUATION AND THEY REFUSE TO DO ANYTHING OR FIX IT WITH THE CREDIT BUREAUS, AND NOW THESE INCORRECT REPORTINGS HAVE CAUSE ME TO BE DENIED CREDITAND WOULD LIKE THEM CORRECTED ASAP ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 
I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX lowes checked my credit without my permission, i have ietters from lowes and synchrony that the inquiry would be removed.It has now been almost 7 months and still remains on my credit report WHY?. The last time they dismissed the complaint saying it was a duplicate, This is not right yet i guess i have to file a legal action, I really believed in your company and you failed me.

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 2022-10-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, chase bank NA froze my funds and my business account due to a check that had a error, they have already reached out to the owner of the check and confirmed it was an authorized check, however Chase is still refusing to unfreeze my account. and holds {$720.00} locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: WA
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:
Per XXXX XXXX XXXX - Experian, XXXX and XXXX have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Western-Shamrock Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a note loan account with Western Shamrock in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, Western Shamrock has repeatedly reported to XXXX that my account is 30-59 days behind. I have disputed this information directly with Western Shamrock on more than one occasion. I have also discussed this situation with the area manager of the local Western Shamrock office and she has verified and agreed that my account has not been late and stated this would be corrected.

Additionally, I have disputed the same information with XXXX. Both Western Shamrock and XXXX are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my XXXX credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I contacted RS Clark & Associates for a pay for delete of a XXXX debt. The representative stated it was a recorded call and they collect debt ( which I was aware ) The lady stated she would need to get her managers approvol to collect the debt and then have it deleted from all 3 credit reporting agencies, she placed me on hold, came back and she stated that she would be able to do that ... she sent me to a woman to take my payment and then emailed me my receipt and I also received one in the mail ... I also faxed them back the sign copy of my receipt the same or next day. So I check my CR and its still showing on XXXX  and XXXX, they only deleted it off of 1 CBR! I then sent them and email on Tuesday XX/XX/18 asking them why they have not removed the debt from the other 2 agencies and they have ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
On XX/XX/2023 a check was sent from XXXX XXXX  from my account to XXXX XXXX {$250.00}. I called the bank the same day and the agent that answered had very poor English and didn't understand what a substitute check was. She advised would forward my information and have someone call me back. Instead of a call she sent me a complaint form to fill out and email back to XXXX XXXX  at email address XXXX. I returned the completed form on XX/XX/2023, I waited 10 days to see if I received a response. I never received a confirmation of receipt or anything in the mail. On the XXXX day I went to XXXX and was advised XXXX called and requested the payment. XXXX was my previous daycare but we've sense terminated our interaction. At the bank the branch Manage insisted that XXXX called and requested the payment, said since I gave them ACH authorization that they could call and request a payment be sent to them in a form of check. I called the daycare and they insist no one has called and I have a XXXX balance. I also asked the bank manager if this was due to the NSF payment that went to my account from XXXX and he advised " no they called in and requested ''. I was very concerned because I cancelled the ACH with the daycare and wondered why XXXX would allow someone to call and just request a payment. They advised me the complaint I submitted was put in the incorrect workflow and they would fix it and I would hear back from them. I gave them another 10 days to respond or refund my money and they haven't done anything as of today. I am now reaching out to you in hopes you can help and help others if this is something XXXX XXXX  allows. 

Lastly, when I went to the bank, they weren't persistent with helping me but trying to insist it was my fault. They wanted me to fill out another complaint as they were trying to get me to date a new one so they could put it into the workflow and get rid of the one they know wasn't handled properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that I have mad. it is the result of identity theft. 
please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this inf.

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 2023-04-17
Company: Avant Holding Company, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
See attached letter from the sketchy business, in the letter the business lied and falsely claimed that I can easily make additional payments by simply calling in to customer service. Well on XX/XX/2023 spent 10 minutes providing my email address, name and last 4 digits of my social security number. NO ACCOUNT COULD BE FOUND! WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank has refused to pay a {$500.00} dollar bonus. I have met all the requirements. The requirements were that {$15000.00} must be maintained for 60 consecutive calendar days, one qualifying direct deposit into eligible checking account for two consecutive months, and no previous Citibank accounts. It has been over 90 calendar days from the date that I completed all required activities. All my accounts were in good standing. I had well over the {$15000.00} required in the accounts. They also started charging me service fees on one of the linked accounts. The account they charged the service fee on had {$1.00} in it. The service fee put the account into a negative balance which they charged me an overdraft fee for. I am so sick of dealing with Citibank that I have closed all the accounts. They keep opening one of the accounts even though there have been no deposits or withdrawals. I have closed this account several times only to look the next day and see that it is open again. They have been no help on the phone. I have called several times and have their personal bankers on tape saying that my accounts were on track to receive the bonus. A couple days before I was to receive the bonus I got a letter from Citibank stating that the bank had closed one of my  accounts without my knowledge making me ineligible for the bonus. I have a feeling they closed the account so they would not have to pay the bonus. They should have told me I was ineligible for the bonus months ago. I would like all my accounts closed and not reopened. There has been no activity on the accounts and no reason for the bank to keep reopening them. I have a feeling they are going to start charging fees.

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 monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief