BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 a wire transfer was initiated from my account in Citibank USA to my account in XXXX in XXXX XXXX. To this day, the funds are not available in the XXXX account. 
I have been in contact with both, XXXX branch in XXXX XXXX and with Citibank. They provided no solution yet. 

I am both the sender and the recipient. 
Last month, I claimed a reimbursement to Citibank and their answer is that the funds were made available to the recipient by XX/XX/2020. 

Looking forward for a positive solution on 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 2023-01-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately

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 2019-07-16
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX and it says I have a problem with my card. I tried to fix it, but I dont know whats wrong.

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 2018-02-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Collection Bureau of America Ltd.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/18 I was looking over my credit report and I noticed a collection from Collection Bureau of America ( CBA ), whom I have never had an account with. I sent CBA a debt validation letter on XX/XX/2018 and was signed for on XX/XX/18. CBA responded with copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was still reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to CBA that was received on XX/XX/18, informing them of the violation and asking them to remove the inaccurate information from my credit file. CBA responded with another demand for payment and that they would not send verification of the debt, but I never requested verification but validation for a debt that is not mines. As, of XX/XX/18 the debt has not been removed nor has it been marked disputed. I am requesting to have this inaccuracy removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a Wells Fargo truck loan ( XX/XX/XXXX overnighted check by my credit union ) that included an extended warranty. They didn't process it until XX/XX/XXXX. I had canceled the warranty ( XX/XX/XXXX ) prior to payoff. The full refund for the warranty of XXXX  was sent to Wells Fargo because at the time I canceled, Wells Fargo held the loan as far as the dealership knew. Wells Fargo received the check XX/XX/XXXX which is after the loan was paid off per the XXXX tracking number. Wells Fargo is refusing to send me the refund until at least XX/XX/XXXX. 

I spoke to XXXX at Wells Fargo Auto at XXXX on XX/XX/XXXX and she told me they wouldn't cut me a check until XX/XX/XXXX because there was a 10 day hold on the check even though I know they received the check XX/XX/XXXX. I also spoke to XXXX at XXXX. I opened a complaint case with the XXXX XXXX per XXXX. Case XXXX. I was told a " case specialist '' would call me back Monday XX/XX/XXXX. Noone called or emailed. The case was supposed to be reviewed. I even provided the name of the woman who sent the check, both of her phone numbers and the date it was sent. I was told it was noted and thank you. 

I called Tuesday XX/XX/XXXX at XXXX and was told case specialist was on break & would call me back. I called again at XXXX & was told the case specialist XXXX was at lunch. I asked for a supervisor. Finally got to speak to the case specialist XXXX after 30 minutes. She told me I would not be paid until XX/XX/XXXX. I wanted to know why they held my money this long. In order to have this decision reviewed AGAIN I would have to open a new case to complain. I forwarded the email I received from the dealer showing the check amount, date sent, address, date received & who signed for it to : XXXX. I repeated the email address back to XXXX and she confirmed it. The email couldn't be delivered. 
Wells Fargo was late in paying off my loan even though my credit union paid it off PRIOR to my first payment to Wells Fargo. Now they will hold my refund for almost a month even though they've been paid for almost a month.

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 2021-12-03
Company: EQUIFAX, INC.
State: TN
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:
I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt with a written signature. The company has only provided date of service on XX/XX/2020 with an outstanding bill of { {$440.00} }. This is not adequate proof that I owe this bill. Therefore I do not owe.

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 2021-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, I also have the complaint ID XXXX for the same credit card. I am not sure what happened with my Chase credit card. As I said before, my credit card was charged the amount on XX/XX/XXXX by XXXX XXXX ( not pending ), from that time to now ( XX/XX/XXXX ), I never received the item I ordered on XX/XX/XXXX, although XXXX XXXX system appeared " delivery on XX/XX/XXXX ''. I contacted XXXX XXXX to cancel order and refund, but they refused. I have to contact Chase to dispute this charged on XX/XX/XXXX, I met the treatment from Chase like XXXX XXXX. Chase let me wait for XXXX week or more for their update. After a week, XX/XX/XXXX I contacted them to inquire the update, chase told me to call the no. on credit card to dispute. I complaint Chase customer service. Then somebody from chase called me and told me to wait 5-7 business day, so they should invest the case. Until now, Chase do not dispute this charge. That is not enough! Today, When I checked my credit journey through Chase online banking, the chase credit journey is market " powered by XXXX ''. I found my Chase credit card is " not available '' on credit journey report! My credit available is only from the other bank credit card! I never received any information about this from Chase. I have a good credit score, I never have " late payment '' history. I do not know what happened with my Chase credit card, why my credit card 's credit is " not available '' at credit journey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES has not provided complete and accurate records of my loans to the US Department of Education after they failed to have me on the proper repayment plan when they knew I was pursuing XXXX. I've been paying on my loans for 15 years while having the same ( qualifying ) job the entire time. My loans should have been forgiven a long time ago. AES needs to provide my payment info, as well as info they received from the previous company who handled my loans, to the US Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Helvey & Associates. Therefore, Helvey has no legal reason to be reporting on my credit reports and must delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting. They are in violation of the FCRA.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: SYNCHRONY FINANCIAL
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:
I previously had an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and the account was sent to a debt collector XXXX XXXX I, XXXX. The account has been paid in full and I was sent a confirmation letter stating this. It also states that I no longer have any further obligation on the referenced account. I really need this to be removed from my credit report ASAP. Thanks

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 2021-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation