BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I've been working on this issue for months and sent a letter in before about this. I sent multiple requests and transunion keeps responding for me to verify my identity. Its me and I send in all the documents requested. I even reached out to the creditor and I haven't heard anything back in months. Please remove the following accounts immediately : 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 2022-03-30
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern, On XX/XX/XXXX, I spoke with both XXXX & XXXX XXXX in regards to a collection account placed with CCS for XXXX in which I do not owe. I am requesting a validation of debt in which as XXXX stated on a recorded line I am being charged for canceling before my contract term & that discounts were removed, which is untrue. Im being charged for an additional month in which I did NOT have insurance with XXXX. 

I sent a SIGNED cancellation on XX/XX/XXXX - my policy # XXXX was not cancelled and payment was still auto-drafted on XX/XX/XXXX. 
I called on XX/XX/XXXX and had the policy cancelled, receiving email confirmation on XX/XX/XXXX. They stated that they would refund me for the auto-draft as it was in error. I disputed with my bank because I DID NOT AUTHORIZE the transaction and per my cancellation letter, I revoked all authorizations and contact with XXXX. 
I received another cancellation confirmation on XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that my payment was not successful which is because I won the dispute with my bank and the funds were returned. I revoked authorization prior to XX/XX/XXXX when the payment was taken. 
On XX/XX/XXXX, I received a cancellation notice for non-payment of the {$180.00} premium for the same policy number # XXXX. It was stated that this policy would be cancelled XX/XX/XXXX but previously, it was been cancelled via both verbally and written communication. I was sent two confirmations of cancellation on both XX/XX/XXXX & XXXX. 
So I was charged for an additional month at the rate of {$180.00} in which I did NOT have coverage with XXXX. 

Who authorized my policy to restart for an additional cancellation on XX/XX/XXXX? I did not. In response, I am requesting full validation and investigation of the cancellation process after I 1 ) sent in written cancellation & 2 ) confirmed verbally on XX/XX/XXXX that my policy would be cancelled. 

I will be needing these items sent to my home : - [ ] The declarations page between XXXX & myself showing where cancellation fees are charged and discounts are removed once the policy is cancelled. 
- [ ] A full file review of my policy with acknowledgement of who authorized policy # XXXX to restart once cancelled on XX/XX/XXXX by me, the Name Insured. 
- [ ] All notes placed on policy # XXXX I have taken the test to write insurance policies and I have worked continuously with my insurance company for 5+ years. I am very aware of what is written in an insurance policy as I create them. 

I am not liable for insurance coverage that I did not receive nor need. I am not liable for a charge that I revoked authorization on and was still processed. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom It May concern : I am writing in regards to a Wells Fargo account # XXXX. There are several things reporting inaccurately, untimely, or unverifiable on this account. The Federal Credit Reporting Act ( FCRA ) permits the removal of such accounts from the credit file. The reasons I dispute this account are as follows : 1 ) Balance  incorrect. Should be {$400.00}. 
2 ) Delinquency date is incorrect. The correct date was the one listed prior to the XX/XX/XXXX date. 
3 ) Statement number 2 then makes this account too old to be reporting and should be immediately deleted. 
4 ) Well Fargo states I made a payment in XXXX and the date of delinquency is XX/XX/XXXX. 
Both statements are incorrect. 
5 ) When requested, Wells Fargo does not, nor has is to this day, furnished validation or proof to the information reported on my report, I.e. the items listed in 4 above. Account should have been removed here as FCRA calls for the removal of unverifiable information. Wells Fargo failed to respond. FCRA states that this debt is no longer valid. 
6. When requested, Wells Fargo failed to provide the original contract with Wells Fargo containing my wet ink signature. 

As you can see, there are several violations of the FCRA and FDCPA. Please cease reporting this account for any of the above listed reasons. There are multiple violations here and if you continue reporting this false information you may face further consequences as allowed by law which I will proceed with should Wells Fargo fail to remove this account from all of my reports and cancel the debt as verification/validation was not furnished upon request. 
Sincerely, 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 explanation
Consumer complaint received 2020-08-04
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an account with NewRez LLC d.b.a. Shellpoint Mortgage Servicing. Due to hardship induced by the COVID-19 pandemic, I fell behind on my mortgage payments. I attempted to call numerous times ( at least 12 ) to fix this issue during the months of XXXX and XXXX ( before I went delinquent on the account, but I was never able to get through to a representative, sometimes leaving my phone on speaker phone for over an hour while I waited ), and I called at least 5 times during XXXX and XXXX ( after being late on my payment ). In XXXX, I was able to make contact with Shellpoint ( about 2 and a half weeks ago ), and the representative there explained that I had a caseworker for my account and to call that person the first week of XXXX to discuss an option that was available to me. It was explained that this option would make FHA assume 3 of my mortgage payments and add them to the end of my loan, fee and interest free. A part of my loan program allows me to move at least one payment to the end of my loan as a part of my terms and conditions anyway, and when I spoke to the representative 2 and a half weeks ago, I explained that to her as well before she gave me the first option mentioned above. I also explained this to the representative today who continued to read me a letter I've never seen before that didn't mention any of what I was told, and the place she advised me to go just kept referring me to options that didn't fit my situation. My initial intent was to move one payment to the end of my loan term ( benefit spelled out in my terms and conditions of my contaract ) and make 2 months worth of payments to be completely caught up and current, but because of what I was told, I used the extra money to pay other creditors I owed. This situation needs to be remedied. I feel asking me to make my full forbearance payment right now i unfair and deceptive. They should really have representatives that are on the same page and that provide accurate information, especially during this uncertain and hard time we're facing as a country. I would've paid this when I had my first conversation if it wasn't for the information I was given ( I said that on the phone call as well and I also verbally confirmed this program would be available to me when I spoke to the representative of Shellpoint a couple weeks back ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I have a few late payments on my Nelnet account and i was XXXX at the time with no way to receive mail or notifcations. 
Even after submitting proof, nelnet still would not remove late payments which is significantly affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions 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:
I've submitted information to Experian multiple times, once on XXXX and again on XXXX, advising them that certain account weren't mine and were fraudulent accounts. This bureau is the only bureau that will not remove XXXX XXXX XXXX accounts from my credit report. One is saying it is an charge account or credit account with a balance of {$8900.00} and an installment loan account with a balance of {$22000.00} I've asked the bureaus as well as the creditor to provide me with documentation showing my signature to show that I authorized these accounts to be opened, and never received any of the requested documentation. I've filed a complaint with the FTC and The Attorney General, and was advised that it would be investigated but that I also needed to file a complaint directly with you all The CFPB because you all work directly with the reporting agencies.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance : {$880.00} and XXXX  XXXX XXXX Balance : {$720.00}. Please delete these accounts ASAP.

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 2019-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to express a complaint regarding a claim. On Saturday, XXXX XXXX, 2021, I visited the Bank of America ATM, located in XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX, and made a deposit of {$7000.00} at XXXX p.m. The {$7000.00} were brought from my home country, and this amount was less than {$10000.00}, so I did not have to report it at the airport customs. The ATM machine only processed {$300.00} and kept the rest of the money inside the machine. The ATM gave me a receipt, apologizing for the inconvenience, saying an issue record was created and attached to my transaction, which acknowledges that the ATM was problematic. I immediately called the bank and filed a claim. 

After many efforts of escalating the claim, I received the provisional credit. I called the claim department numerous times, but no one was updating me with information. I visited the Bank of America XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with Relationship Banker XXXX XXXX, who reassured me my problem was going to be resolved. She also told me that the specific ATM is balanced twice or three times a week, so it was not normal for me to have waited more than 40 days for my claim to be resolved. 

Once my claim was resolved, my claim amount was adjusted to {$4400.00}, instead of {$6700.00}, which is the amount of money the Bank of America ATM owes me. I called the claims department at XXXX as indicated by the claim resolution letter to request copies of the documents Bank of America used to make this decision, but I was told there were no documents on my claim by XXXX, ID number : XXXX Therefore, I am kindly requesting Bank of America to adjust my claim amount to the initial amount of {$6700.00}. My bank accounts have been closed because I am moving to a different country, but I still need to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Security Credit Services, LLC
State: MI
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:
A letter was mailed to Security Credit Services , LLC on XX/XX/2021 and received by their office on XX/XX/2021. The letter was submitted in regards to a dispute. In the letter amongst other issues, it listed that they were not authorized to do business or operate in the state of Michigan. They chose not to respond to that particular issue and continue to report this collection item on all 3 credit bureaus till this very day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About XXXX days ago, I tried to access my account and found it locked. I called and was told that they were closing the account, no explanations given. At the time I had {$100.00} on deposit and they have not yet returned it to me. The balance has not changed since they closed it. 
A second issue is prior to closing account I had submitted a wire transfer from my account in the amount of {$1900.00}. The next day I called to cancel it and they said they had to do an investigation and it would take 180 days to resolve. It was going to someone in England. I think that is too long, I cant afford to be without my money and when I call for status I get vague answers and different every time. I dont understand why they are treating me this way I have attached a copy of the only thing Ive received from them dated XX/XX/2023 regarding the 1st issue. I have never received any correspondence regarding the wire transfer and no longer have access online to my account

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 2023-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
this bank has given me problems i want to close my accounts and take my business somewhere else. they are forcing me to stay with no access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was looking at ads on XXXX XXXX. I came across an ad for puppies that needed a home. I contacted the seller XXXX XXXX and was told the puppies were {$650.00}. That I should send a down payment of {$250.00}. She wanted it sent to XXXX. XXXX did not recognize that email so they changed to a friend. XXXX XXXX. Trustingly I sent money after asking for picture of my puppy and where they are located. They said XXXX and sent pictures that looked old. 
The next morning she texted and said she needed to pay the vet for DNA test, shots etc so puppy would be ready for on the XXXX of XXXX. Another {$250.00} sent to a XXXX on XXXX. XXXX originally sent it but then reversed the transaction. So XXXX asked me to send to same person on XXXX as before. Reluctantly I did. 
The next day she asked for {$150.00} for legal papers which after being fussed at I sent again to XXXX XXXX. 
The next message wanted {$230.00} for a kennel the vet required. Money would be refunded at pickup. I refused payment and was told I had hurt her feelings. She has now blocked me on XXXX. 
I called Regions and was told they have no dispute process and basically neither XXXX nor Regions Bank would help recover the money. I just wanted them to investigate it. They said they would but I doubt it.

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 2022-07-26
Company: Experian Information Solutions 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 XXXX Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  BANK Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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