BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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:
IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1 XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE

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 2018-10-26
Company: Go Capital Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX I looked on my XXXX report and saw a collection for XXXX XXXX XXXX XXXX so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with XXXX XXXX XXXX XXXX so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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:
IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1 XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX 2023 Notice from XXXX XXXX that taxes were not paid and lien would be filed XX/XX/2023 Contacted SLSXXXX  - They opened a case to research Was told it would take 10 days, Multiple calls to find out what happened and what was being done One gentleman figured out the issue ( incorrect parcel number ) Even knowing the issue and the solution they would do nothing until research request was completed. 
XX/XX/2023 we paid the taxes to prevent a lien from being filed XX/XX/2023 - provided SLS with proof we paid the taxes After 30 days research was finally finished and they determined parcel # issue XX/XX/2023 they sold the loan to XXXX XXXXk XX/XX/2023 they cut a check for the penalties but sent it to XXXX instead of me At this point I'm still out ~ {$7000.00} XX/XX/2023 we sent a letter requesting information who was at fault XX/XX/2023 finally received a letter from XXXX XXXXSLS confirming mistake but not willing to compensate me for the {$7000.00} that I have not had for over 75 days. 
Requested Escrow Analysis from XXXX in XXXX Received a refund check for " {$7000.00} on XX/XX/XXXX SLS has not updated the credit bureaus so our reports are showing that we have XXXX {$380000.00} loans outstanding. One at SLS and one at XXXX. 

I have hours of recorded phone conversations and emails documenting this entire mess.

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 2019-02-01
Company: TCF NATIONAL BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I previously filed a complaint against TCF bank on the same issue that they are now being sued. My case number for CFPB is XXXX. My complaint has not been included with this lawsuit and I have not been contacted by TCF bank. The over draft fees that they charged me for an amount under XXXX was over {$400.00} in a matter of a few days. They say they mailed the OD information but it was hidden in the bank statement and was never referenced on the on line banking feature which I used frequently. Who would want to pay {$400.00} for a 20.00 charge? If I had known about the od changes I would have closed my account immediately rather than gifting them the extra funds,. 

My complaint was responded to by the bank by only saying saying, since the account is closed they can not refund my fees. I am asking that my complaint be revisited. 

thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan company Bridge Crest is my Car loan financial institution. 
I strongly believe they are purposely tanking my Credit score. I have 3 to 4 Modification agreements since 2019. I believe instead of putting the Modification amount on the back end of the loan, they are forcing me to pay my car note 3x monthly. I also believe, they are over charging me with late payments which is tanking my credit score. 

I have asked them several times to put me on a monthly payment schedule, but for various inexcusable reasons they are not allowing it. When I pay my bill between the 3rd and the 6th of each month they are still charging by weekly and causing me to fall under late payments, in which they are charging me late fees 2x monthly. 

I have been paying monthly since XXXX of 2019 and since then they have failed to correct it as well as charging me other fees in which i know if i do owe for XXXX and XXXX of 202XXXX. I owe no more than {$300.00} in back payments, they have charged me XXXX XXXX XXXX $ and now almost a XXXX due to the fact that they are still ( charging me by weekly on top of my monthly payments. THEY WILL NOT FIX THE ISSUE... .... 
Someone has called me, i have tried to reach the person several times. During our first and only conversation i told them i would go through my bank statement in which i am not an account of any kind and it's difficult to get banks statements more than 5years old. I have called the customer service number various times, discussing the issue after talking to management to straighten out the situation, but they are lying about where these extra charges are coming from. 

I need an outside person to go over their books and correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open both a savings account and a CD for my elderly ( XXXX XXXX  ) father. I applied with two different online banks to get a better interest rate than he was getting locally. 
CITBANK which is First Citizens Bank sent me a refusal email ( attached ) after I filled out all the application papers online, and gave out his funding banks information over the internet. 
Same exact think happened when I tried to apply for a high yield savings account with an online Bank out of XXXX XXXX called XXXX! Can you tell me whats going on, is this an age discrimination thing or what. Why do they have the option of choosing who they can or can not do business with?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was replying back to a work from home company called XXXX XXXX which is a very creditable company. I was contacted via text, and this person stated that I was selected for an interview for the job. This interview was held on an app called XXXX. The person I was talking to was impersonating as an employee from this company. They gave me sets of interview questions that seemed legit and once I was done they told me that they would get back to me the next day to let me know if I got the job or not. On XX/XX/2023 I was giving the news that I got the job. I was given an offer letter with the actual companys logo on it and everything. The impersonator went on to explain what the job entails. They told me that the equipment I was going to need would be paid for but I would have to cash a check provided by XXXX XXXX to buy the equipment. They sent the check of {$3100.00} and once I tried to deposit this check my account at Huntington Bank closed. I ended up calling Huntington and ask them what the problem was. Apparently, the check turned out to be fraud. The account was then overdraft of the {$3100.00} and once I told the impersonator if they were scamming me they tried to plead it wasnt a scam. The impersonator also asked how much money could I pay out of MY pocket also since my account closed. I stopped talking to them after. I know Huntington has a strict policy but I need them to understand that this was not to my knowledge all this was a scam. It seemed to good to be true but as a XXXX XXXX XXXX XXXX who is desperately looking for a job in these times it was an honest mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The company involved is " Chase Card Services '' or commonly known as J.P. Morgan Chase ( JPMC ). Other creditors referenced below are not a part of this " complaint. '' In XX/XX/2023, I learned I was the victim of ID theft and 5 accounts at 4 creditors were opened in my name without knowledge or authorization from me. I found the accounts through my credit report and contacted all creditors. There were 2 accounts at Chase Card Services ( CCS/JPMC ) and 1 each at 3 other creditors. I contacted all 4 creditors, the 3 credit bureaus, and FTC Identity Theft report center. XXXX XXXX, XXXX, and XXXX found in my favor, notified me, and had the negative accounts removed from my credit report occurring in an improvement to my credit score. 

Of the 2 CCS/JPMC accounts, only 1 was ever used before it was charged off. The other was closed before the startup fee was paid. I focused on the negative account. CCS/JPMC denied my dispute saying " The account was opened with an address we confirmed through public records. We mailed credit card statements to this address, and they were not returned. '' I contacted CCS/JPMC and said I have a " public record '' that I live at a different address and did not receive any CCS/JPMC statements. I imagine the fraudsters may have received the statements and did not voluntarily return them, thereby self reporting their crime.

I then disputed the denial. I submitted the referenced letters from the other creditors finding in my favor as evidence to CCS/JPMC. They denied the dispute again and said " You have accepted responsibility for this account '' and " We previously sent a one-time passcode to your verified phone number. '' I personally never accepted responsibility nor received a passcode ; however, I imagine the fraudsters did that in my name. I then contacted CCS/JPMC again to see about my options, they said something like they will look into it but ultimately denied me saying, " Our latest review confirms our previous finding that the account is valid '' and " You're responsible for the account in accordance with your Cardmember Agreement. '' Also, that no further review will be taken w/o new information. More of the same ; not my agreement as I never applied. I am now seeking assistance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: AMERICAN EXPRESS 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 rewards from credit card

Complaint:
I signed up for an American Express XXXX XXXX XXXX that promised XXXX membership rewards points after spending $ XXXX. I spent the $ XXXX and noticed that the points hadn't posted after a few days. After calling American Express they said this would be fixed in a few days. Today I called back after a week of not hearing anything, and was told that I would have to wait 12 weeks to begin the process of escalating. They also said that I would have to pay the $ XXXX bill in the meantime. 

This is not what I signed up for. The points should be posted on my account already, or I shouldn't be required to pay the $ XXXX bill until the points have been delivered. All reports I read online say that this will drag on for months and that American Express will never actually deliver these points. 

I am getting multiple conflicting reports from American Express as to what the issue is. But the short answer is that I have spent the $ XXXX that I agreed to, so now they should add the XXXX membership rewards points onto my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Several Private Primary Academic to Graduate-Professional Student loans were compromised post final payments disbursed and settlement agreements confirmation by multiple lenders for graduate programs within the USA. Multiple state universities and colleges have filed and successfully submitted ( won ) cases involving money laundering and student loan theft in connection with the graduate dissertations, loan approvals, loan payments to the universities and colleges ( domestic/international ), congressional boyfriends ( XXXX men names none disclosed ) claim of underwriting extortion by my degree issuing schools, consolidated loans scams aimed at former full time employment agreements, stock ( probate scams/ market savings/403 ( b ) /401 ( k ) / Private IRA ) options fraud within majority of US corporate entities and accounts. Inheritance of ( XXXX XXXX XXXX XXXX stock records + acquisition of original & renewal ( bonds/free-sale/booking slots ) options which are being used as active military death threats by several actual and impersonating chiefs warrant officers in advance of organized criminal communities since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.

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 2023-02-05
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I sent two letters for validation to Lvnv Funding LLC on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to XXXX credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.

Company response to consumer: Closed with explanation