BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX  about this issue and I was overlooked, and was refused for correcting the derogatory 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 explanation
Consumer complaint received 2023-01-16
Company: Aldous & Associates, PLLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2019 Aldous And Associates opened up a collection. 
account number {$130.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 2021-01-13
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
good day this complaint is about Navy Feb bank and their level of unprofessionalism. 
I got a call from the bank about a month ago talking A lady called and confirmed my information and simply told me it was a routine bank call. 
She asked if I referred any family members to the bank of which I replied to the affirmative. 
the next day, I tried logging into my account from my office laptop, all to no avail I called the bank at about noon and was told my account was closed indefinitely without explanation. 

This is not just illegal, it's outrightly wrong. I implore the bank to restore my savings, checking and 2 credit cards with immediate effect or will take this up with my lawyer XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, 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 an account without my 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 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
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 attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.

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 2019-04-05
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Billing dept, The reason for my dispute is J P Recovery Services Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, J P Recovery Services Inc. failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) J P Recovery Services Inc. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. J P Recovery Services Inc. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where J P Recovery Services Inc. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. J P Recovery Services Inc.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
The Fair Debt Collection Practices Act, or FDCPA, prohibits debt XXXX from making false and misleading representations when collecting a debt. After submitting XXXX dispute letters concerning false, and incorrect addresses being placed on my credit report EXPERIAN credit bureau has refused to remove/delete the incorrect address. 

The incorrect address that's being reported is XXXX XXXX XXXX, XXXX, FL XXXX. I have never lived at this location and have no knowledge of this address, but the agency refuses to delete the address in question. 

The reason for EXPERIAN not removing the address is that it's linked to accounts on my credit report that don't belong to me. I explained to them on several occasions that an incorrect address linked to a negative account doesn't make me the owner of that fabulous debt that's being reported. As a XXXX military veteran, my personal information has been stolen serval times while traveling overseas and during the course of serving and protecting this great country. 

I have mailed EXPERIAN several certified letters addressing this FDCPA violation and they refuse to govern themselves accordingly to the laws put in place to protect the consumers from reporting inaccurate information.

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 2022-08-31
Company: EQUIFAX, INC.
State: RI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citi on XX/XX/XXXX and I deposited {$15000.00} within 30 days of account opening and deposited additional {$1100.00} within 60 days of account opening. I was promised to receive {$500.00} bonus for opening a checking account however I didn't receiver any. 
I received an email on XX/XX/XXXX saying I didn't meet the requirements so I won't be receiving promised bonus. I reached out to the bank via instant chat app within the Citi 's online portal and got told to call a number. I did as suggested and I was told I would receive the said amount in XX/XX/XXXX. 
At the time of submission of this complaint, I haven't received promised bonus for opening an account with Citi. 
I reached out to the Citi via same channel ( using instant chat available in the online portal ) on XX/XX/XXXX and I got the same exact response from the representative. 
I don't want other people to get tricked into opening an account with them.

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 2018-04-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please file the following documents on the CFPB case ( s ) XXXX and prior WFHM and XXXX case ( s ) as well as XXXX XXXX XXXX XXXX  case ( s ) XXXX and prior XXXX XXXX XXXX XXXX case ( s ) filed with the CFPB and other case ( s ) within the Federal Government in regards to XXXX discrimination complaints concerning housing. 

The attached {$50.00} returned check from XXXX XXXX XXXX XXXX, VA relates to pro-rated taxes XXXX XXXX XXXX paid on property address XXXX XXXX XXXX XXXX, VA XXXX in which she was forced out of in XX/XX/XXXX. This amount does not account for the premiums XXXX XXXX XXXX paid directly to WFHM that were utilized and accepted by the third party XXXX XXXX XXXX XXXX, VA in XXXX and thereafter. 

Also, please be advised that XXXX XXXX XXXX XXXX is preparing revised/false tax statements and the evidence is attached for XXXX personal property taxes. All payments can be verified through XXXX. This matter remains a XXXX discrimination case against WFHM, XXXX Bank, and XXXX XXXX XXXX XXXX against XXXX XXXX XXXX, an XXXX XXXX woman. 

XXXX XXXX XXXX will continue to allow the payments scheduled for prorated taxes to be paid to the county of XXXX & XXXX to further support her claims against housing discrimination based on race ( XXXX XXXX ) because this property WAS NOT voluntarily surrendered.

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 2023-05-05
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get nonstop calls from different numbers everyday from the true accord debt collectors for over a year now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts. 

In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day! 

We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period. 

The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble! 

When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks. 

PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served! 

Thank you fo

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 2023-06-06
Company: Experian Information Solutions Inc.
State: MD
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 the following accounts are in violation of my rights : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States that I have a right to privacy and that the entities furnishing my information are required to provide accurate and complete information to credit reporting agencies.

15 U.S.C 1681 section 604 A Section 2. States a consumer reporting agency can not furnish an account with 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 2019-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am a victim of a school loan consolidation scam. A company conned me into allowing them to remove {$29.00} on the XXXX of each month, a recurring transaction stating that the money would be paid toward my student loans. The money has been taken out of my Wells Fargo Checking Account religiously for years. In XX/XX/2018 I entered a branch of Wells Fargo, after learning that the school loan consolidation company was a scam, and filed a fraudulent claim. Going back the life of the authorization and was told that the Fraud Department would be in contact but I was assured that the withdrawal of funds would stop, per my revoking the authorization. I was contacted in XX/XX/XXXX by the Wells Fargo Fraud Department and was told that they found my authorization for recurring withdrawals to be sufficient and denied my fraudulent claim. Even with me supplying proof that the company listed as taking the funds out was reported by the XXXX  as being out of business and was a fraudulent company. At which point I notified the representative from the Wells Fargo Fraud Department and the branch I originally went into of my rights to 'revoke ' any previously authorized recurring withdrawals, stating I wanted an immediate seizure of any future withdrawals and requested that the withdrawn funds for XX/XX/XXXX and XX/XX/XXXX be refunded. Please be advised that this all took place before the XX/XX/XXXX withdrawal was to take place as well as the withdrawal for XX/XX/XXXX which was also removed.. However, the withdrawal for XX/XX/XXXX did take place and nothing has been refunded. In fact, Wells Fargo has informed me that I am not permitted to stop this withdrawal from recurring even with the revocation of my original approval. Attached please find the letter I sent to the Fraud Department and the Branch itself.

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 2023-01-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collections letter from Helvey & Associates Inc about a utility bill balance of {$53.00}. I explained to someone at the company that I am a victim of identity theft and I have no knowledge about the bill. The company took it upon themselves to search through public records to pull up my name XXXX XXXX. I did not give them permission to search me. I am a XXXX XXXX XXXX as well and I try my best to live in privacy because of that. This company keeps calling me repeatedly from different numbers through out the day. They have no verifiable debt information and I ask that this company leave me alone immediately before I seek legal advice from my lawyer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation