BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX XXXX citizen : 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. 

Account name : National Enterprise Systems, Account reference # XXXX in behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have violated my rights. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.

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 2021-02-05
Company: EQUIFAX, INC.
State: NJ
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've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since XXXX tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a property on XX/XX/XXXX and had XXXX Mortgage ( XXXX XXXX ). Not issues with that. 
They sold the loan to Penny Mac on XX/XX/XXXX and I was notified on XX/XX/XXXX via mail. meanwhile I cut a mortgage payment to XXXX XXXX and it was cashed on XX/XX/XXXX for {$1800.00} ( check is attached ). 
I had contacted Penny Mac and they told me they had up to 60 days to receive payments and update records. I waited until XX/XX/XXXX ( just over 60 days ) and asked XXXX XXXX Info to provide proof that the payment had been sent to Penny Mac. They ended up getting me in touch with XXXX XXXX ( Post Closing Assistant at XXXX ). Some person named " XXXX '' said " Didn't know payment belonged to investor ... slow " purchase advise in XXXX '' issue. THey overnighted a check to Penny Mac that day. Monday was a holiday ( XXXX XXXXXXXX day ) and the payment was applied on XX/XX/XXXX. 
I reached out to both companies and requested payment gets applied back to date it was cashed ( XX/XX/XXXX ). They both said they would look into and no reply fom either on assisting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with a company called better mortgage and they officially denied without obtaining all documentation. They should have obtained a condo questionnaire from the seller before officially denying me and repulling credit multiple times which was not needed because the hoa was non warrantable but the lender failed to collect this document from the seller outlining it and they were given multiple chances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wasn't in school at this time In XXXX and I just noticed that I never Borrowed XXXX for XXXX University to me this looks like fraud I just noticed this now. 

Total Borrowed : {$27000.00} Outstanding Principal as of XX/XX/XXXX : {$34000.00} Outstanding Interest as of XX/XX/XXXX : {$1800.00} Interest Rate : 7.00 % Cumulative Payment Amount : {$390.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : XX/XX/XXXX Loan Period Begin Date : Loan Period End Date : School : SCHOOL CODE FOR CONSOLIDATION LOANS Enrollment Status : GRADUATED as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1.00} XX/XX/XXXX {$27000.00} Loan Status Status Effective Date IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX Also devry is charging me for 2 classes that I withdrew from.Devry couldn't get it correct the first time with the paperwork of when I changed my major and they still had me in two classes of. 
ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting 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 XXXX, Capital One Bank, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. 
Thank You

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
I am demanding the removal of the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX from my credit report for inaccurate reporting. Please see the attached dispute letters sent to the collection agency which caused for the removal from XXXX. I sent a letter to Equifax over 5 months ago and they have failed to remove the account. Please see the attached letters which are dated and time stamped and remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AL
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 # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank name : Wells Fargo Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} taxi ride I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings.

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 2023-05-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 2023-03-06
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Jana Ferrell & Associates LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Right around XXXX 2020, I received an alert from my XXXX XXXX saying I had a collection. I was immediately taken aback and surprised as I have never received ANY notice to this. It was a {$100.00} charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never received a call, email, or letter. This balance had been paid by my father when it was due. I had to find the number of this collection agency and explain to them that I had this debt. I decided to just pay it just in case. They took my card information and only charged me {$30.00}. This was on XX/XX/XXXX, I had to call multiple times to get this collection fully paid. FINALLY, the full balance was paid on XX/XX/XXXX. I called again to complain. I tried to get more information and explain that this shouldnt have been on my report in the first place. They were rude and dismissive. My father and I have also tried calling the billing department of XXXX XXXX XXXX XXXX XXXX with no answer and no call back. I am very frustrated because my father has paid this bill when it was due and we are unable to get a hold of this company. I am also frustrated because of this were to be a legitimate collection, I never received one notice that Ive owed it. I am an extremely responsible person and never had a late payment or derogatory mark. My credit was excellent until this {$100.00} ( already paid ) collection appeared on my credit. I am trying to buy my very first house and this mark is driving up my rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo mortgage, making payments by phone. Wells Fargo, i have made payments by phone many times. on XXXX an XXXX XXXX wells Fargo did not deduct payments. causing late payments. no notification of problem. I called to ask about late notification, was toked no phone conversation toke place on dates in question. was only notified by mail. was only kindly toke, they would look in to it. drop credit sore, left me hanging. i have personal problems with XXXX XXXX XXXX, with very good help. with them. but now, it seems they are grabbing at money anyway possible. i now go to bank teller window to do business. i did not need this.

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 2019-04-19
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections. 

In XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt. 

This year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to  dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, " Did you even leave a forwarding address? '' and " Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced " this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 explanation