BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
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:
In accordance with the Fair Credit Reporting act 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 written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.

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 2017-04-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Since XX/XX/XXXX I entered into an agreement with Navient to begin paying back my student loans. I also requested to participate in a program that would lower my rate or monthly payments. I have been making the necessary payments ( {$470.00} ) since XX/XX/XXXX and it continues to show on my credit report that I am 180 days pass. This has caused my credit score to drop significantly. Please assist me with understanding if this is right. I still have not been approved for the program to lower my rate. They continue to ask for more documentation regarding the co-signer while taking {$470.00} from me every month. I have asked them to consider that I have been able to make the payments on my own, why is it necessary to have the co-signer personal information. 
Looking for guidance and assistance as I feel that this is completely unfair and unreasonable. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TENET HEALTHCARE CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a debt verification letter to Syndicated Office Systems on XX/XX/XXXX via cert. mail. I did not receive a response. I reached out to the company via phone at XXXX on XX/XX/XXXX and spoke with a XXXX. He informed me that the account is in " Review Process '' therefore the only option I have at this time is to pay the account. I asked when was the account placed in this status ; he informed me that in XX/XX/XXXX. He was not able to inform me as to when the account will be taken out of this status. I ask to speak with his manager or provide me with his manager 's information. He refused and stated that there is nothing that he nor his manage can do for me at this point if I am not willing to pay off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My issue was I 'm trying to get financing loan for down payment purchase.thats why I try a lot of options like apply credit card but I do n't get.my story was last year and connected to bank and third party that have connection to make account on my name, apply loans, open credit card and mortgage etc.I dispute some not everything! as I know it 's not a single or one person because in my observations got connected to do so! I can tell the name if we need.

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 2023-10-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XXXX to XXXX, I was entangled in a phishing scam. The scammers obtained access to my savings account, and I lost a total of {$48000.00}. I reported the incident to reportfraud.ftc.cov. to my local police department, to all the credit bureaus ( XXXX, etc. ) to my state attorney general 's office, and to the FBI Internet Crime Complaint Center. I contacted the Wells Fargo Fraud Claims Department on Sunday, XX/XX/XXXX and filed a report. I was told the report could take up to ten days to complete. I called Wells Fargo on Thursday, XX/XX/XXXX to submit additional information. Later that week, I received a letter from the Online Fraud Claims department. They refunded me a total of {$2200.00}. They claimed the reminder could not be recovered, because either there were not enough funds in the account, or the account had been closed. I do not understand why a paycheck for {$3000.00} was not refunded, because I didn't see where that was related to the withdrawals. I also thought I would receive reimbursement for {$4000.00} paid on my debit card, because of Wells Fargo having a " XXXX liability '' policy on debit card losses. The fine print on the Wells Fargo home page did not discuss scams in any form, so I called Wells Fargo on Thursday, XX/XX/XXXX to clarify, and was told money lost through scams was not covered by the " XXXX liability '' policy. I think it is false advertising to say that a company has a " XXXX liability '' policy if there are exceptions to the policy. In this article published in XX/XX/2023, a Wells Fargo representative stated that " When we learn of fraudulent activity, we take action and work to ensure there's no harm to the consumer. '' https : XXXX I don't think that statement is consistent in my situation, since clearly I have suffered significant harm.

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 2023-03-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX  i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been done at one time, and then reversed to the promotional balance. I have to micromanage this company every single day. They apply the total payment to the promotional balance in order to keep all of your balances active so that they can continue charging the maximum interest and assure that your balances do not go down.

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 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second letter to the CFPB regarding the same issue with Bank of America. Bank of America purposefully, did not address the specific questions asked in my initial letter dated XX/XX/XXXX ; therefore, the issues remain unresolved. I need Bank of America to answer EACH of the following questions regarding the mortgage account # XXXX : 1. Why has BOA allow XXXX days to pass from the date they were eligible to proceed with judgement ( XX/XX/XXXX ) to the date the judgment was recently filed ( XX/XX/XXXX )? For what reason did BOA wait XXXX days to file the judgement? 
2.Why did BOA never respond to my written inquiry on XX/XX/XXXX ( mailed to XXXX FL, XXXX ). This is a violation on RESPA, and was never addressed. 
3. Why did BOA charge my mortgage account 19 times for the same property inspection fee on XX/XX/XXXX? This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ) 4.On XX/XX/XXXX, Superior Court of Delaware issued a letter indicating they were going to dismiss the foreclosure case due to lack of judgment entered. Was BOA aware that this foreclosure case was about to be dismissed for lack of follow up with their vendor attorney? 
5. On what dates did BOA follow up with XXXX for a foreclosure case updated? List all dates. 
6. Did BOA receive a copy of the superior court letter from XX/XX/XXXX? 
7. For what reason did BOA file an amended foreclosure complaint on XX/XX/XXXX? 
8. Why was the correct mortgage rate not calculated per the loan agreement ( in the foreclosure complaint )? Your response indicated " your research has uncovered no reasonable factual basis to substantiate your claim ''. Allow me to clarify ; in the amended complaint, BOA charged all interest at a rate of 3 %, which was incorrect because a portion of the interest was at 2 % and another portion was to be at 3 % according to the terms of the HAMP modification. Additionally, your employee XXXX signed off on the affidavit asserting he had reviewed the account and the amounts calculated were factual. This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ), UNFAIR PRACTICES, " the false representation of the character, amount or legal status of any debt '' and FDCPA 15 USC 1692f ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' 9. What date did BOA file and pay the required mortgage mediation fee? 
10. What exactly is BOA doing to expedite the foreclosure? Please provide detail, dates, etc. 
Please be advised this is my second request and I will continue to escalate this matter and write to the CFPB until each and every one of my questions is answered.

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 2017-03-29
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
# XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied AMEX Hilton business credit card with welcome bonus ( Earn XXXX Hilton Honors Bonus Points + a Free Night Reward after you spend {$4000.00} on eligible purchases with your Card in the first 3 months. ) on XX/XX/2022. I used the referral link for the promotion and got approval without any pop-up window or alert. I spend more than $ XXXX before XXXX and didn't receive the points as they mentioned which worth {$1000.00}. They said I am not eligible for the promotion but didn't let me when I applied it. I read the policy and didn't see any reason for me not eligible. This is the first time I applied for AMEX Hilton business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the Credit Agencies XXXX, XXXX and Experian. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with XXXX, XXXX or Experian through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.

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 2023-09-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Response to Experian 's Failure to Address Inaccurate Information and Request for Removal of Disputed Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report, as provided for under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681 ( a ) ). Upon reviewing a copy of my credit report, I have identified discrepancies and concerns regarding the accuracy of information related to the accounts referenced below I recently submitted a dispute letter to Experian, including all the necessary documentation to verify my identity and support my claim. However, I received an email response from Experian stating that they can not complete the investigation due to the alleged absence of copies of my Social Security Number ( SSN ) and identification. 

I would like to clarify that I did, in fact, include all the required documentation with my initial dispute letter. Enclosed with my certified letter to Experian were copies of my driver 's license, Social Security card, and lease agreement, all of which serve as valid proof of my identity and address. I have attached the proof of delivery for your reference. 

It is disheartening to encounter such oversight and disregard for the accuracy and thorough review of the documentation provided. These errors and inaccurate reporting on my credit report have significant consequences on my daily life, hindering my ability to secure loans, obtain housing, and even acquire necessary means of transportation. 

Furthermore, I request the immediate deletion of the unverified and closed accounts listed below : 1. XXXX XXXX XXXX XXXX ( {$810.00} ) 2. XXXX XXXX XXXX XXXX ( {$0.00} ) 3. XXXX, XXXX. XXXX ( {$0.00} ) 4. XXXX XXXX XXXX ( {$820.00} ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( {$0.00} ) 6. XXXX XXXX ( {$0.00} ) 7. XXXX XXXX ( {$620.00} ) 8. XXXX ( {$0.00} ) 9. XXXX ( {$0.00} ) 10. XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) I kindly request your intervention in this matter to ensure that Experian conducts a thorough investigation, rectifies their oversight, and takes immediate action to update and correct the inaccurate information on my credit report. These actions are necessary to restore the integrity and accuracy of my credit profile and protect my consumer rights. Also they mentioned the inquiry may take 45 days?? Isnt the max 30 days? How is this okay? 

I appreciate your attention to this matter and ask that you keep me informed of any actions taken in response to my complaint. Thank you for your assistance in resolving this issue. 

Sincerely, 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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