BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, my kid got my cell phone accidentally sent a wrong payment information, and I don't know. 
On XX/XX/XXXX, I received the letter from The XXXX Bank just know, because there isn't enough money in check, will be deduct {$39.00}. Then I open the account, check into my check acount, the {$78.00} money is buckled,. 
On XX/XX/XXXX, I go to the The XXXX Bank XXXX XXXX XXXX bank branch, explained what had happened with them. 
They were very unfriendly to me and told me that {$78.00} was overdraft fee, but they didn't pay my bill, they just refused the payment request, why they had to deduct the money in the customer 's check without informing to the customer, they didn't do anything, they even didn't inform me, then my money was gone!! Can you think of the day when your bank account is deducted without notice? 
They told me there was a notice when I signed the contract, I had the signature, I asked them to bring out my signature paper, they didn't have any, and then found some paper for me, in a pile of very small words can not see! I asked them do you explain the terms of the contract to the client? They say they can watch it!! They deducted the money from my bank without any notice in 8 days!! This is very unfair to us, we can not make a decision with our own money, wake up as someone else 's!!

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX At approximately XXXX a person came banging on my door stating they were the REPO company for Chrysler Capital and to remove my belongings immediately. I didn't understand why this was happening as i had NEVER received any letter or mail stating I was to get my vehicle repossessed. I did not receive anything from the men who took my jeep no type of paper work no type of info on where they were taking the vehicle, The repo company took my XXXX XXXX XXXX XXXX  not before they struggled to get it attached to the tow truck, I knew it looked very wrong. I couldn't contact Chrysler Capital due to the time of day and they had been closed and would not open until XXXX the next day. On XX/XX/XXXX at approximately XXXX the same person from the repo company came to my door and stated THEY ( Chrysler Capital ) told us to return the vehicle so consider it a blessing! This was so odd that i called Chrysler capital and they are now stating they have NO DOCUMENTATION on the this happening. I also informed them i had all this on my XXXXXXXX XXXX XXXX. I've called numerous times trying to get an answer and still they do not have any documentation that this even happened. No my XXXX XXXX XXXX is not running properly it is now jerking whenever I first press the gas pedal after a stop and my passenger side seat feels as if it is off track. I need this issue fixed immediately as my lease still has 6 months left and I am afraid it will break down on me while driving. I spoke to a supervisor who stated he could not do anything for me as they had no documentation about the repo! Again I have ALL THIS on my XXXX XXXX  even the repo people stating it is CHRYSLER CAPITAL .... PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
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:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( Experian, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.

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 2023-06-23
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all XXXX of my credit reports ( XXXX, Equifax, XXXX ) XXXX The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, Experian, and XXXX Report. This account is paid and closed. Please update status on my credit report. Thanks

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 2022-01-12
Company: Possible Financial Inc
State: OH
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:
This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX  XXXX -POSSIBLE FINANCIAL INC. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AES/PHEAA
State: CT
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:
my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX  and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-07-14
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit union inadvertently overpaid my Capital One account by {$1600.00} on XX/XX/23. I contacted Capital One on XX/XX/XXXX  to request a refund and was told it would be a 5 day waiting period then 10-15 business days before I would receive the refund. The overpayment was due to a balance transfer mixup at my credit union. I called Capital One on XX/XX/23   because my account still shows a credit balance of {$1600.00}. I was told the refund hadnt been processed yet. I need to put that money back into my credit union credit card account and cant use the Capital One card because any charges will be deducted from the credit refund first! Capital One is slow rolling my refund request and theres no one else to speak to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Equifax via certified mail with tracking number XXXX. 

I received a letter back from Equifax on XX/XX/2022 stating their investigation validated these alleged debts. 

Pursuant to 15 USC 1692g- the validation of an alleged debt can only be validated by the ORIGINAL CREDITOR. I have never validated ANY of these alleged debts that are on my consumer report. Equifax failed to come forth with these facts. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Equifax written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Equifax ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: IL
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 have communicated with XXXX XXXX XXXX  and EXPERIAN & XXXX   about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX  accounts never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.

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 2022-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation