BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been well over 90 days and neither of these agencies have responded to my disputes. I am under severe distress. I am a victim of unfair, unlawful, and inaccurate credit reporting. These companies have violated FCRA 15 U.S. Code 1681b and 1681i. They have been negligent in there reporting and in their investigation. My right to privacy has been breached repeatedly and I have yet to receive any corrective action from them. I even contacted the courts to see if they gave them verification of any accounts or bankruptcies and they provided me in writing that they have never nor will they ever verify this information with credit reporting agencies therefore it is invalid and inaccurate.

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 2021-08-13
Company: Kashable LLC
State: PA
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:
This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These Accounts : XXXX XXXX XXXX 2.NATIONAL CREDIT SYSTEM. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a fraudulent charge from XXXX was posted to my Wells Fargo XXXX XXXX XXXX XXXX XXXX for {$600.00}. I contacted Wells Fargo and reported the unauthorized/fraudulent charge as I don't even use the XXXX website XXXX a temporary credit was then applied. In XXXX, I noticed that my Wells Fargo Credit Card balance was unusually high. I found that the amount was due to being rebilled the {$600.00} from XXXX on XX/XX/XXXX. I contacted Wells Fargo XXXX XXXX and was informed they had proof that the product was delivered. I did not receive any unexpected delivery from XXXX. When requesting proof, it was not provided. I contacted XXXX XXXX, and a case was generated with XXXX XXXX On XX/XX/XXXX I had a missed call from Wells Fargo with no email or voicemail follow-up. I contacted the XXXX number and spoke with XXXX XXXX XXXX informed me that he will be closing the XXXX XXXX XXXX as the fraud team has provided evidence that my email ( XXXX ) was used for the purchase. This didn't line up as I've not received any email communication from XXXX regarding a purchase. I requested the evidence of my email being used with the proof of purchase, but XXXX did not have that information to share. I requested he email me with the case ID and his name, so I have a paper trail, but he did not do that. I called back that afternoon and spoke with XXXX, a supervisor from the XXXX XXXX. He mentioned that when reviewing the case information, he does not see the proof used to decline the claim. Unfortunately, no managers were available at the time to discuss further. I then contacted Wells Fargo Credit Card XXXX XXXX for right to documentation and was told that they'll submit the request to their back-office team to assess, which could take roughly 30 days. I was also told that they made an attempt to reach me at my phone number ( XXXX ) on XX/XX/XXXX but when reviewing my call-logs, there is no activity from Wells Fargo XXXX XXXX day. I've asked for reconsideration but they're simply denying it without looking further into this. I've also contacted XXXX ( on XX/XX/XXXX ) at XXXX requesting proof that the receipt was originally sent to XXXX and am unable to receive that documentation from them at this moment ( they provided me a blank email which has been uploaded to this ). I've also been told by the XXXX representative that the purchase was associated to phone number XXXX, which is not a phone number I've ever owned. When asking XXXX for further information, they refuse to provide me with it. I am requesting assistance with this as I feel Wells Fargo is not doing a diligent investigation and is instead holding me liable for an unauthorized/fraudulent transaction.

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 2021-08-12
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a PNC account. The terms of there offer : You may earn a {$300.00} reward if you open a new Virtual Wallet with Performance Select To qualify for the reward, the new Virtual Wallet product must be opened online via the application and a qualifying Direct Deposit ( s ) must be received within the first 60 days. 

The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$5000.00} for Virtual Wallet with Performance Select. 

My direct deposits posted to my account on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 totaling {$5000.00} within the 60 days of opening. 

Ive chatted with representatives numerous times after the bonus did not post a few weeks after. Every time they insisted that I have met the terms and it would post by today XX/XX/XXXX. I contacted them again today and just now they are escalating. However, if so owed the bank money I would be asked to pay interest and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To : Carrington Mortgage Dispute Department Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX Loan Number : Removed Dear Carrington Mortgage Dispute Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. 

The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. 
Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I used the Chase app to deposit a check that was subsequently returned to me with a {$12.00} fee saying that Chase " can't locate the account. '' What seems to have happened is that the app detected the first four digits of the check account as " XXXX '' rather than " XXXX ''. In my correspondence with them, I asked them if I could try redepositing the check, and attached attached screenshots of the relevant details from that transaction ( including the check ). 

They offered to accept the check by mail and deposit it, but would not refund the fee. 
I once more requested that Chase refund the {$12.00} fee for not being able to find the account. I don't think it's reasonable for me to be charged a fee because the bank was unable to locate an account due to an error in its app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
Ive contacted The Chex System more than one also contact the consumer reporting agency to get the issue resolved. XXXX XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX  XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the Chex System has written about me and also the response of XXXX XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The Chex System removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

XXXX XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The Chex System is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A Chex System reporting wrong information Exhibit B XXXX XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )

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 2023-06-19
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For a living, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received payment for one of these trips ( {$5400.00} ) through PayPal. When I logged on and tried to withdraw the funds to my bank account, PayPal decided to permanently limit my account due to activity in my account thats inconsistent with their User Agreement. I was never explained the reason to their decision. When they permanently limit an account, all money in your balance is held for 180 days. They give you no other solution other than wait. 

If this hold isnt released, I will not be able to provide the trip my guest paid for. My guest wont understand that this is PayPals fault, not mine. Consequently, a bad review from this guest can destroy what I do for a living, which would destroy every other aspect of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need Arbitration or a Judge to resolve the following situation : On XX/XX/XXXX, I purchased a XXXX XXXX totaling {$4200.00}. XXXX XXXX  and XXXX was authorized to pay {$180.00} for 24 months. 
From XXXX, XXXX until XXXX, XXXX, this account was setup for automatic repayment by XXXX. 
During this period, XXXX bank paid XXXX each month, sometimes twice a month to Comenity bank. 
In early XXXX, I kept getting bills from Comenity Bank and one final payment was required by XXXX. 
In other words, as of XX/XX/XXXX, a balance of {$140.00} remained for complete debt repayment. 
Since XXXX was changing name to XXXX between XXXX an XXXX, XXXX, I assumed XXXX was responsible for the final payment. 
While trying to resolve the last payment, I found that Comenity never requested a {$180.00} payment in XX/XX/XXXX. 
Furthermore, because of late fees and a XX/XX/XXXX bill, Comenity charged me over {$1500.00} for Finance and Other charges. 
I never anticipated any late payments by XXXX. 
On XX/XX/XXXX during a three-way call with Comenity, XXXX and myself, I authorized another payment of {$350.00} per Comenity 's request.

Currently, after many phone calls and letters, neither bank claims responsibility for late fees.

Comenity keeps sending bills and my credit rating has gone from Excellent to XXXX XXXX XXXX XXXX XXXX, I can not afford these charges I need some explanation or help with this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: CA
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 have new and updated information from closed complaint XXXX. 
In my last complaint I stated that the dealership had shown no proof of the application. Wells Fargo has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions.

I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive.

Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore Wells Fargo, XXXX XXXX XXXX, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.

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 2021-07-22
Company: Shellpoint Partners, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 explanation