BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
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:
I returned my leased car with XXXX on XX/XX/2021, before the actual end of lease date and with some equity on my miles. I went through the whole process as to wear and tear and it was determined that there was no outstanding balance due. When I returned the car, I asked if we were settled and he confirmed we were.Because of the pandemic at the time, I was living abroad. Upon my return on XXXX and while going through my correspondence I noticed a bill from XXXX for {$380.00} for " Turn in fee ''. Their correspondence from XX/XX/XXXX stated " Payment due within 10 Days '' and further states : " .... Once your account reaches delinquency ... a derogatory mark will be reported to credit bureaus. '' Payment was made on XX/XX/XXXX, before the 10 days term set out on their won letter. 

Notwithstanding, XXXX went ahead and set a derogatory mark on my Experian Credit report. Needless to say, my payments history with XXXX and all other creditors is outstanding. 

I have sent several letter explaining the situation and only get form letters back. I have several issues with this whole process : 1 ) When I turned in the leased car ( Before the lease term and with equity on milage ) the agent confirmed we were " settled ''.

2 ) XXXX only attempted to collect via USPS, no e mails, no calls, when they are not shy about sending electronic correspondence and calling about other things.

3 ) Why did they not deduct the amount owed ( {$380.00} ) from the account they had been deducting the lease payments?

4 ) As if none of the above are reasonable enough, why do they not follow their own process set out on the XX/XX/XXXX letter? 
5 ) Last but not least, why is there even a " Turn in fee ''? Further when there is equity on the milage and the car was turned in before the lease term. ( to be addressed with the FTC ). 

To add injury to pain, XXXX misreported to Experian, reporting only the amount of the total loan and not the actual outstanding amount {$350.00}. 

I respectfully request that my credit is not affected for the reasons set-forth hereon.

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 2021-04-19
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
as of XX/XX/2021 southwest credit systems has been reporting a debt in the amount of {$370.00} on all three of my credit reports. i was never notified via mail of this debt nor given the fair opportunity to dispute the validity of this debt within the first 30 days of notice if one had been properly given to me. this is a violation of the fcra section 609 and i am demanding that it is DELETED and that the creditor cease all collection activity for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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 previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXXXXXX 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 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 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 2017-11-03
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX XXXX for my XXXX degree in XXXX XXXX and graduated in XX/XX/XXXX. I have been receiving numerous calls from Navient stating I have {$60000.00} in private loans. I never signed papers stating I had this much in private loans. XXXX XXXX XXXX pressured me one semester prior to obtaining my degree I would need to take out a private loan for the remainder of tuition but never informed me on the amount. My private loans have now gone into collection and they are demanding the full cost of the private loan to be paid in full. When I said I did n't have this kind of money, they dropped the cost to {$33000.00}. When I said I did n't have this amount, they informed me to seek out a loan from family, peer to peer, or take it from my 401K. I do not have this kind of money nor will I ever. They stated it would go to an attorney for lien proceedings if not paid byXX/XX/XXXX. This is just on my " private loans ''. They also stated my federal loans are well over {$250000.00}. I 'm sure you could imagine my thoughts on this. The cost of these loans are outrageous. XXXX XXXX XXXX really put my life into a XXXX I can never get out of. Now with XXXX XXXX XXXX closed by the Federal Government for these same reasons, my loans should be forgiven as well because I was forced into signing papers for one semester which turned into {$60000.00} and due to the scheming ways in which XXXX XXXX XXXX promised their graduates the world was a blatant lie. I do n't even have nor did they offer to help find a career in my degree field. I 'm looking for assistance as I will never be able to pay these loans in my lifetime. The amount totals with private loans included, over {$300000.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells fargo continues to send the same response not answering any questions se ding valid proof of accounting records and book keeping. They remain in default and will remain in void untill litigation occurs. Your contract is null and void, and you have been paid for the account 5 times with tenders of payment and refuses to accept form of payment. They are committing fraud as described in the affidavit of truth please send this correspondence to your legal department I won't no further communication with Wells Fargo complaint department. Also please send over the lawyer contact information so he can be forwarded the legal documents

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: CA
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:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My accounts are BOA overdrawn. Accounts ending XXXX and XXXX. The accounts ending in XXXX and XXXX should n't even be open. My debit card was stolen and unauthorized transactions were made on the account. I advised BOA to investigate, refund the charges and close the accounts, which has never happened. Now accounts XXXX are overdrawn as well with more unauthorized charges. I have been having nothing but problems with BOA and my accounts with them.Their agents refuse to help and do what I the consumer am directing them to do. I demand the charges be refunded and all accounts be bought current. Also for accounts ending in XXXX and XXXX to finally be closed like I 've been requesting BOA to do.

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 2017-11-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I pulled my Experian Credit Report and noticed inaccurate information. I sent a letter on XX/XX/XXXX via certified mail ( see attached copy ) challenging the accuracy of this information and requesting the source from which they obtained this information and they validate this information and provide me with documentation associated with this account bearing my signature or in the absence of such documentation deleted this information from my credit file. After 30 days, I received no reply from Experian.
On XX/XX/XXXX I contacted Experian. I spoke with a person who identified himself as " XXXX '' who informed me I received my dispute letter on XX/XX/XXXXand responded verbally that the information had been verified. I asked him the " source '' of the verification, as it was not listed on my credit report and he said it was verified by the Courts. I then told him I had a letter from the courts stating they do not supply any information to credit reporting agencies. He then said he received this information through a third party reporting agency. I asked him who the agency was so I could reach out to them directly but he said he was not at liberty to disclose this information.
Please the attached letter from XXXX  datedXX/XX/XXXX verifying my request to suppress all public information. It is my understanding it is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from an unnamed 3rd party could be considered false information on your credit report.
I would appreciate any help you can provide in resolving this issue.

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 2021-10-22
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Prior to the collection agency purchasing my debt to XXXX XXXX XXXX paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Bank of America took more than 30 days to send me documents to validate a debt. Now that I received the documents, they are not even for the account they are trying to collect. They also sent me information and bank accounts of other people by mistake.

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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 contacted Transunion regarding unauthorized inquiries on my report and they told me to contact the creditors that put the inquiry that is not in compliance with fair credit reporting act which hold Transunion responsible to investigate unathorized items on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$350.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citi priority checking account on XX/XX/XXXX. And I transfer {$10000.00} from XXXX XXXX  to this Citi checking account. Then my citi checking account was closed on XX/XX/XXXX. 

I submit the complaint through CFPB, and the Citi respond me on XX/XX/XXXX said they will issue me an official check to refund me. But on XX/XX/XXXX, they send me another letter said that we can not verify the funds in the account. They asked me to contact the sending institution and have them debit the account via an Automated Clearing House ( ACH ) transaction. 

I asked the XXXX XXXX, they said the transaction is already finished. They can't do anything about it. I just want Citi to give my money back.

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 2017-11-03
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: Their investigation did not fix an error on your report

Complaint:
I noticed some medical bills reporting on my credit that did not belong to me and reported this issue to TransUnion, XXXX, and XXXX on XX/XX/XXXX. After all 3 bureaus claimed to have completed an investigation and delivered the results of their investigation to me onXX/XX/XXXX ; XXXX had removed all of the medical bills that reporting on my credit incorrectly and XXXX and TransUnion had removed some of them but not all of them. I contacted Transunion and XXXX again on XX/XX/XXXXadvising them that none of the medical bills reporting on my credit file were mine and to please mail me the person/s who had verified this inaccurate information as is my rights under the Fair Credit Reporting Act. After this second request to TransUnion and XXXX  both removed all of the inaccurately reporting medical bills from my credit report. I just checked my credit report today and TransUnion is reporting a medical bill that I disputed and had removed on my credit report again. Both XXXX and XXXX have not continued to report this inaccurate reportings and TransUnion for some reason why continues too. Please investigate and provide me with this nonexistent proof that this medical bill is mine and reporting accurately.

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 2019-08-06
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Paid for two concert tickets by XXXX XXXX with my Chase visa debit/credit card. 
The purchase was made XX/XX/19 at XXXX. We discovered the tickets were frauds at the venue and contacted Chase at XXXX to institute a claim. They were very brief on the phone and were not interested in any of the information that we had available and offered to provide to help with their investigation. 
We received a letter from chase today stating that " we found the transaction was processed correctly or was authorized ''. The letter additionally states they will be deducting the {$150.00} from my account on or after XX/XX/19. What I find interesting is that Chase has the transaction date as XX/XX/19 which indicates that they had time to cancel the payment but did nothing to protect my interests. 
What is even more weird is that no one from Chase ever contacted us for any additional information or documentation. How did they conduct an investigation???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-03
Company: Credit Bureau Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Global Lending Services LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted a compliant with this office on XX/XX/2022 about several accounts on my credit report that are inaccurate and not mines. I have sense then checked my credit report and its states the items were verified so I reached out and asked for some information on when where and who were spoken too. I have not received a response I have an account with all three companies and each has different information. Global lending services which says a repossession and on XXXX it states open and on time I request that all unverified items be removed from my credit report immediately this has been more stressful than dealing with XXXX. Which I have been a victim of 2 times causing me to loose pay and have a XXXX and now to top it all off I have inaccurate items on my credit which is affecting me to purchase a home. I also want to complain on the CFBP for not assuring and communicating with me in response to my issues I am owed a fair and accurate credit report by FCRA code 809b and 610a.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief