BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On my XXXX XXXX  XXXX XXXX account which is powered by Experian credit bureau it states that the XXXX XXXX XXXX account that is reporting on my credit report that this XXXX  XXXX XXXX account is XXXX XXXX XXXX XXXX XXXX old. Experian has a policy by which persons can request an early exclusion or deletion of an account if that account is within a 3 month period of it falling off your credit report. 
This XXXX  XXXX XXXX account is within a 3 month period of it falling off my credit report. I am therefore requesting an early deletion/ exclusion of the XXXX XXXX XXXX account that is reflecting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac Loan Services , LLC owes my husband and I an escrow balance check in the amount of {$730.00}. This check was suppose to arrive in XXXX of XXXX, due to it being initiated on XX/XX/XXXX and it was originally given 3 weeks to arrive. I attempted to contact Penny Mac many times in XXXX & XXXX, to constantly busy phone lines. I was able to speak to a Penny Mac representative, in XXXX of XXXX, who " resent '' the check, and was told to wait another 5-6 weeks. The check still has not arrived and the formal complaint section on the Penny Mac website never actually submits a complaint, instead it produces an error message " unable to submit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV FUNDING LLC Has place a collection on my credit report, I have requested multiple times proper verification and validation of this account in question, company has failed to provided me with such documentation. 

Account info Account name RESURGENT/LVNV FUNDING Account number XXXX This account has also been dispute multiple this claiming they certify the accuracy of this account, however has failed to provided them to me, Also I requested step by step taken in this research and as per the fair credit act this company has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I currently have a US Bank XXXX XXXX XXXX  XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX  's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX  's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank.

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 2022-11-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 have violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Today at XXXX XXXX, Yesterday at XXXX XXXX, Every day. yet another phone call about a debt collection. The company is XXXX XXXX XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( XXXX, Equifax & XXXX  ) are all in violation of FCRA statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was sold by a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ) They told me that they could redo my XXXX taxes of which I owed approximately {$50000.00} and make it at least twice as much less then the charge they would be charging me for the service. Also, they said they would include my XXXX taxes and would also beat my estimated due of which I told them it was also approx. {$50000.00}. After hearing from them that they guaranteed to save me at least double what I was paying I let them charge my Wells Fargo ATM card. They told me they would have my redo done by XX/XX/XXXX and my new XXXX return by XX/XX/XXXX. XX/XX/XXXX came and went with XXXX XXXX about my redo being done. So, I called them and after many attempts I finally received a call back and she told me they would look into it and get back to me. They called me back a few weeks later and said my redo from XXXX could not save me any money so they were not going to submit a new XXXX redo to me. But, she said they would have my XXXX return done in a few weeks. I explained that I had paid for the redo and the new XXXX returns. She said they would work something out with me but to wait till the XXXX return was done. a few weeks later the XXXX return was emailed to me. when I looked at it it showed I owed approx. {$51000.00}. More then what XXXX XXXX  had already told me it would be. I told them this was unacceptable and they were committing fraud. She then tells me they would do my XXXX taxes for me and do their best to make it as low as possible. I said NO! I want a complete refund since they did not give me what I was promised and I would not do business with fraudsters. She said she might be able to get some of my payment credited back but not all. I said that I would tell my bank and have the amount chargedback. Wells Fargo XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX # XXXX. ) said they would submit a claim. After many questions they sent a chargeback to the company. After many months Wells Fargo says I had agreed to the purchase and case was over. I wrote them back letting them know I never disputed making the purchase. I was disputing that I was ripped off and not received what they had agreed to give me. Wells Fargo has since charged my account the {$3200.00}. I was scammed and duped into paying this company for something they could not do and know I am entitled to a XXXX XXXX. Please HELP!! 
Thanks, 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Financial Assistance Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A checking account was opened in my name during XXXXXXXX XXXX XXXX in the state of Colorado at XXXX XXXX XXXX. I did not open this account and was done in person using a false ID. After opening this account this individual used the account and overdrafted into a negative balance. On Saturday XX/XX/2023 I received a notice in my XXXX report that indicated a new collections account regarding this fraudulent acccount gone defunct into a negative balance. The collections notice is for {$320.00}. I check my credit score frequently and was thrown back by this update in events. I have contacted XXXX, XXXX, XXXX XXXX XXXX, as well as the collections company ( Financial Assistance Inc. ) in charge of collections account. Financial Assistance Inc told me to open a dispute through the XXXX website to further this dispute and give the collections agency the authority and information to close and finalize removing the collections from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX )  erroneously sent my account to collections without attempting to bill my insurance. The account was cleared after I contacted the company ( XXXX  ) but did not close the collections account with one of the two collection agencies they used to collect the erroneous debt and will not close the account with Ability Recovery Services who is refusing to close the account until they are contacted by XXXX. XXXX refused to give me any documents related to my account showing the account was closed.

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 2023-01-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NAVIENT NOT UPHOLDING SETTLEMENT - reporting the account on borrower and co-signer credit reports and did not pay back payments made post XX/XX/XXXX in defiance of the XXXX XXXX XXXX Pennsylvania, Consent Judgement and Order dated XX/XX/XXXX. 

My XXXX XXXX  loan ( $ XXXX ) was co-signed in XXXX by my sister, XXXX XXXX XXXX ) XXXX. Sometime last year, the loan ( > $ XXXX ) disappeared from my Navient account and my credit report. I never received any notification or refund of payments made after XX/XX/XXXX. As of XX/XX/XXXX, the loan is appearing on my XXXX credit report as not past due and closed. In the past few months, my sister/co-signer has been receiving collection calls on the loan and is being told she is responsible, I filed bankruptcy, and Navient has not been sued- All lies stated on a collection call. 

I called on XX/XX/XXXX and requested a copy of the letter they were supposed to send to me indicating the account was paid. I was told the letter would be to me no later than the XXXX or XXXX. As of today, I have not received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX : XXXX XXXX released a wire transfer of {XXXX} to privat bank XXXX XXXX, XXXX XXXX XXXX, through bny as corespondent bank. XXXX states that they haven't received the funds until now! the XXXX recipients are in dire need of th ese funds!! the wire confirmation is XXXX. this is a significant amount that i can't replicate to send via other means! please let me know wh y XXXX hasn't received i! if there's a real problem, how can i get the funds ret urned to me? 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX Sent : Mon, XX/XX/2022 XXXX pm Subject : Your XXXX XXXX wire transfer confirmation and receipt XXXX XXXX XXXX You've successfully submitted your transaction Please keep this message as your receipt. 
Wire details Confirmation number XXXX Send to XXXXX XXXXXXXXXXXXX XX ... XXXX From account ( debit account ) EVERYDAY CHECKING ... XXXX Wire currency US Dollar ( USD ) NOTE : This transfer is being sent in USD Send on XX/XX/2022 Deliver by XX/XX/2022 Originator ( sender ) information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recipient information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient bank information Bank name XXXX XXXX XXXX Bank country XXXX Bank ID XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items will be debited from your account : Transfer amount {XXXX} Wire transfer fee {XXXX} Taxes {XXXX} Total USD from account {XXXX} Exchange rate N/A Recipient amount and fees Transfer amount {XXXX} USD Other fees XXXX USD Total for recipient XXXX USD Note : Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. 
Availability date XX/XX/2022 -- -- XXXX : why now after i've sen t funds three months in a row? what is the issue? i would like to respond. Se nt from XXXX XXXX Mail : XXXX XXXX On Thursday, XX/XX/2022, XXXX XXXX, XXXX Payments Investigations Inquiries   wrote : Hello We received the payment under ref XXXX XXXX however it is pending XXXX review under our inquiry ref XXXX XXXX. a msg has been sent to XXXX XXXX under our ref for further details required. Thank you XXXX -- -- Hello, Details are only acceptable through the Banks and we can not release any information to you. Thanks,, BNY Mellon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to allow XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. Due to reporting inaccurate information I want the account deleted. I am showing proof of the inaccuracy directly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I demand these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately be removed from my consumer report unless there is proof that I signed giving authorizations for these transactions/inquiries, if there is no such proof then this is IDENTITY THEFT and needs to be removed no later than 4 days according to 15 USC 1681c-2- Block of Information Resulting From Identity Theft, and I will be coming after TransUnion for continuously allowing this after several disputes on this same issue, because you are not protecting my consumer rights as everything allowed on the consumer report should be 100 % accurate according to the law! And I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance

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