BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: HW Holding, Inc
State: NC
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 reported a collection of {$290.00} on my XXXX credit report. 

The collection is invalid but XXXX XXXX doesnt want to remove it even though I submitted all the proof ( photos and screenshots ) that I dont owe any money. 

Heres what happened : I have been a tenant at XXXX XXXX apartments in XXXX, Kansas for only XXXX months and I paid rent for XXXX months plus a {$250.00} security deposit. I moved out on XX/XX/2021 after my multiple requests for repairs in the apartment were ignored. 

Requests for repairs : * XXXX noise at night ( apartment situated right next to the laundry room, with a thin drywall with a hole between the laundry room and my apartment ). Tenants did laundry all night. I asked the leasing office to insulate the wall or allow doing laundry only during the day hours which was denied. I was unable to sleep at night. 
* Not working stove ( I couldn't cook at all ) - see pictures * MOLD  around the water heater - see picture * Water in the bath tub not draining - see picture * MOLD in the bathroom around the shower - see picture * Water coming through flooring - see picture * Bugs coming through the windows due to not having correct size of window screens - see picture I left the apartment on XX/XX/2021 and gave the apartment keys and letter of moving out to the leasing office on XX/XX/2021 ( XX/XX/2021 was Sunday and the office was closed, no mailbox or anything I could leave the keys ). The XXXX didn't show up for a walk through on XX/XX/2021. I expected getting my security deposit of {$250.00} back which has not happened and it's due to me. 

Every state has specific health and safety codes that provide minimum standards for rental units, and Kansas is no different. If those standards are not met and proper notice is given by the tenant and the repairs/fixes are still not made within the allowable time period, a tenant would be considered constructively evicted. As a result, the obligations of the tenant under the lease are no longer required, given that the landlord has not met their own responsibilities under Kansas landlord-tenant law. According to Kansas XXXX law XXXX, landlord duties to provide habitable premises include the following : * Compliance. Comply with applicable building and housing codes materially affecting health and safety. 
* Repairs. Make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition. 


The collection report should be removed from my credit report at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: GOLDMAN SACHS BANK USA
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account. 
I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most. 
I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Please note that I submitted a complaint earlier in XXXX ( submitted XX/XX/XXXX, # XXXX ), but it was closed. I received a letter saying that CFPB concluded that the complaint did not come from me, but it did. On this site it says the complaint was closed because I had already submitted previously, which is not the case. 

Here is my original complaint : I submitted an Employment Certification form in XXXX of XXXX. Mohela 's website has marked the form as " processed, '' but the payment count has still not been updated. I submitted another Employment Certification form in XXXX of XXXX when I had, to my knowledge, reached the 120 payment count, but I have still received no updates. I have tried to call Mohela but can not reach a representative after over an hour on the line. I have also tried sending a message on their website. I understand the 90-day processing time for the form I sent in XXXX, but it seems to me that the form I submitted in XXXX should be reflected in the payment count by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$37000.00} ; XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: MN
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:
I have demanded that these agencies remove these accounts from my credit. That I did not give permission to be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was notified by XXXX XXXX XXXX that I had to complete an Affidavit of Check Fraud by Payee to dispute a cashed check that I/my company never received ( XXXX is XXXX payer & my company is the payee ). 

The affidavit was completed, notarized & submitted in XX/XX/2023. 

I nor XXXX have heard anything about the status of this affidavit or the cashed check. I need this investigation completed so the funds can be returned to XXXX & XXXX can reissue payment to my company.

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 2022-11-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My current employer, a XXXX XXXX company, has our travel/expense cards through US Bank XXXX I have one card through the bank. Because of this and my experience, I decided to my personal banking over to US Bank. I opened two accounts to start, with small deposit amounts of {$25.00}. Since that time, each and every day my account access becomes unlocked and then locked. I am being told it is a security measure glitch. I have been aplogoized to many times. In the two weeks since I did this, I have been unable to access my funds. Now the funds are small ( Thank God I didn't move my direct deposit over ), it is more about the principle of things. I have spent hours on the phone multiple times to straighten this out with the bank to no avail. 

At this point I simply want to my money back via XXXX today, and some form of good faith compensation. I am tired of this process and I am very frustrated. Can you help? No one else seems to be able to do so.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2023-10-30
Company: EQUIFAX, INC.
State: GA
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:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account with XXXX. I owed a balance of about {$1300.00} for the XXXX XXXX account. I was paying this account every month for {$80.00}. Then I received a bill from them stating that I owed a balance of {$1300.00} with a past due amount of {$470.00}. I called because the payments were being deducted from my account every month. It turns out that because they are no longer working with XXXX  XXXX, they closed out my XXXX XXXX account and open a new account for me called XXXX XXXX which is the account that I was paying for when I thought I was paying the XXXX XXXX. The balances owed on both accounts were about the same amount so that was the part that confused me. The previous balance that I owed on the account they closed out, they now wanted full payment on of {$1300.00}. I contacted XXXX around XX/XX/2022 when I received the notice. I first asked to speak with a manager because I didnt ask for the first account to be closed and I didnt give authorization for a second account to be opened. The manager stated there was nothing they could do. When explaining that I didnt have the money to full pay the balance and I requested a payment plan or for the accounts to be merged, they stated that wasnt possible. I attempted to send a payment of {$50.00} to start paying off the old balance on the XXXX  account and XXXX returned the payment with a letter dated XX/XX/2022 that stated they sent the account to collections. Now I have a collections account on my credit report and Im having to deal with Midland Credit. This is unjust because I was never given an option on closing one account and opening another. I was never notified that I now have 2 accounts. I was not given a reasonable option to satisfy the balance with XXXX before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX Transunion and complaint number XXXX XXXX However It's been more than 30 days and more than 5 business days since TransUnion and XXXX has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: NC
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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father passed away with $ XXXX at chase bank. I am executor of his will. I called and was told no beneficiaries were on the account and go to a branch with my court papers and death certificate. There I would be cut a check. The branch then said my mother is the beneficiary and we needed to file a XXXX page notarized packet of papers in the mail, even after having copies of the death certificate and my court papers. I then sent the packet of papers to chase and months later am being told they did not get them. My father died in XXXX. I am now being told to file another packet of beneficiaries paperwork. This company needs to stop withholding funds that are not theres and give my mother what is rightfully hers. To give people who have lost a loved one such a hard time is a disgusting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: NAVY FEDERAL CREDIT UNION
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:
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX XXXX. I am writing the complaint to you again. On the XXXX of XXXX Truist bank closed my account without explanation. Both debit card and credit card were blocked. So I could not go on line to the account. Some payments were pending on credit card. It was a dispute about the flight with XXXX XXXX, they must return my money of XXXX dollars but I bought the ticket in the company XXXX XXXX. On the XXXX of XXXX I received the letter from Truist, that XXXX cents were received on the Truist account. I thought that the rest of money will be paid later. I never get any bills from Truist credit card and I could not get on the account online. I knew that some money was also pending on the card because XXXX gave me the {$20.00} refund issued on XX/XX/2023. 
XXXX received on : XX/XX/2023 on credit card account, also I had the rewards of XXXX dollars on the credit card. Yesterday I received email from Truist : '' Your credit card payment has not been processed. 
This is an automated message. Please do not reply directly to this email. 
We ran into an unexpected error. 
Hello XXXX, We were unable to complete your requested transaction due to an error during processing. Please initiate a new transaction request. XXXX From account : Truist Checking XXXX To account : Truist Consumer Credit Card XXXX Transaction date : XX/XX/2023 Amount : {$20.00} Confirmation : XXXX '' So, they began to charge interest to my credit card even without sending any bills to me, I called them yesterday and today I was talking to supervisor, she told me that they began to charge interest on my credit card before when the case was still pending. The credit card is not working since XXXX of XXXX, they did not send me any bills or any statements. Supervisor told me that I owe them XXXX dollars. So I want your help to stop their fraudulent activity. Supervisor told me on the phone that only today she will send me the statement on my credit card. Before there were no bills and no statements and the card was blocked. I ask your help to take off that interest payments on my closed credit card. Regards, 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 2023-09-18
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Account # 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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