BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 166b Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.

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 2017-03-30
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I had sent a Western Union transfer in the amount of XXXX USD to my own bank account in XXXX. I was promised a rate of XXXX per USD, but only received XXXX. When I log into my Western Union account I still see the XXXX rate for that transfer, but for some unknown reason it shows " Total to receiver XXXX. '' As per that promised rate, it should be XXXX. I contacted Western Union support about this issue and got a response that the transaction had already been delivered to the bank account and thus it ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: NAVY FEDERAL CREDIT UNION
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:
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 I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent

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 2018-11-07
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:
I pulled a copy of my credit report on XX/XX/2018, I saw that experian was reporting my account for XXXX XXXX acct # XXXX. They were listing the account with a balance even though the account was paid in full. They also listed the accounts with late payments and I had the account on auto pay so the payments were send out on time directly from my bank to the loan holders bank. I notified XXXX XXXX about the discrepancies and they told me that being that the account was closed that they would no longer be reporting my info to the credit reporting agencies and that the best they could do was send me a letter stating that the account was paid in full and that the account was never late. I received that letter from XXXX XXXX via email and us mail and I submitted all the information including a copy of the letter to experian. They sent me an update copy of my report a few weeks later with the an updated credit report updating my status to closed but not updating the late payments. On XX/XX/2018 I called experian and spoke to a credit specialist and I asked him about the dispute and why my late payments were still on my account after submitting proof from the bank that the account was not late. He stated to me that in their error they only verified that the account balance was paid off and it had a XXXX balance, but that they did not investigate with the bank the late payments. That is in total violation of section 609 of the FCRA.

They never investigated my dispute within the 30 day period and allowed this information to remain on my report, therefore hurting my ability to obtain credit.

They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2023-05-19
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home on XX/XX/XXXX after the death of my husband XX/XX/XXXX. The lawyer advised me that my PMI would drop off of my payment so to keep a watch out for the letter from my finance company Wells Fargo. We originally financed with them XX/XX/XXXX and was not aware at that time that the PMI should drop off and we paid it all those years. I received a letter from Wells Fargo dated XX/XX/XXXX that if I wanted to pay them $XXXX they would drop my PMI but if not it would drop off when I reached 78%. From my calculation, this PMI would drop off XX/XX/XXXX. On XX/XX/XXXX or so, I received another letter from Wells Fargo saying that as of XX/XX/XXXX, they would no longer cancel PMI automatically. I contacted Wells Fargo and am now being advised it will be another year before they will drop PMI. My loan amount XX/XX/XXXX was $XXXX.  My loan amount as of XX/XX/XXXX and payment due on XX/XX/XXXX was $XXXX XXXX. I have never missed a payment nor been late. Please advise as I feel they are doing me wrong.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my account from last purchase not expressed. I never authorized 5 injuries on one purchase.

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 2016-05-07
Company: The AAA Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has falsely reported this debt on my credit report. This debt has been discharged via bankruptcy. This company has violated Ohio State Bankruptcy law by continuing to attempt to collect. Filed on XX/XX/XXXX. XXXX. Discharged XX/XX/XXXX. Medicredit was provided Bankruptcy documentation in XXXX and acknowledged the debt was no longer valid and all collection efforts would be stopped. I have suffered financial damages as a direct result of this companies illegal activity. I am pursuing legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: AL
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, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX XXXX  reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/21 I used my credit card for XXXX with no transaction fee. 

On XX/XX/21, XX/XX/21, and XX/XX/21, I was charged 5 transactions fees for XXXX. I noticed after XX/XX/21 when I checked my credit card to pay it and was surprised to see {$50.00} in fees. I was never warned or explained how I could get a cash advance fee for this. With my purchase in XXXX without a fee, why would there be now? I thought I was using my credit card as a normal credit card as I always have, and have never used it as a cash advance. I never received any physical money either. I never paid late. This is unfair and hidden fees I would have never agreed with or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: MA
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:
I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX  XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. 

I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. 

This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. 

My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. 

I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! 

As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. 

I have sent Navient about 40 documents so I attached only one of my complaint letters, below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Higher Education Servicing Corporation, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Item is also listed twice on my credit report. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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