BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, 2022 I spoke with XXXX XXXX on behalf of XXXX XXXX of SpringOak Capital about a debt showing on my credit report. 
XXXX told me, the contract for my debt has been sold from XXXX XXXX Bank to Spring oak capital, without my consent. I demand the ORIGINAL contract agreement that I signed giving consent to my debt being sold be sent over to me immediately. This is not the first letter or complaint filed with this company. Please see attached. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Re JPMorgan Chase Bank, N.A. 

On XX/XX/21, with my XXXX year-old daughter, I visited branch at XXXX XXXX XXXX, XXXX, IL, XXXX, to assist her in withdrawing funds from and closing guardianship account on which I was her guardian. Bank wouldn't allow this, insisting erroneously that account was " restricted '' and that funds could not be accessed for two business days. Court order pursuant to which this account was opened entitled my daughter to draw these funds as of her XXXX birthday. The only " restriction '' on the account was thus the bank 's unwillingness to release the funds. This was illegal and caused my daughter and me significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-02
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX of 2022, I had a late payment entered on my credit report. There was a discrepancy of me making the payment on time as I had for approximately the 10 plus years that I had the account. Before becoming an American Express Macys card, I had a regular Macys account. After speaking with customer service, I was told that they did see that I had logged in prior to the payment being due but we were unsure of why it continued to show that the payment wasnt made. I was then told that the account would be updated referencing that I had had an account in good standing for so many years. Since then, my account continues to reflect the late payment although since then, the account has been paid. I am requesting that the late payment be removed from my account

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 2023-09-16
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: BB&T CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2023-07-08
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with the Western Funding team on XXXX and informed them I was unable to make the payment due to late commission being paid. They said no problem and made payment arrangements on XX/XX/ my XXXX informed me that they were calling looking for me regarding the payment and asking as if I have not talked to them at all. When I called the representative on yesterday, she said they were looking for me to return the car to the dealership. When in fact, I have already called western funding on several occasions and advised them that I would be making the payment with a secured payment by card on that date. The Representative then start drilling me that it is against the law for me to sell a car that I don't have a title for which any normal person knows this information. I informed her that I will be paying off the loan within the next few days. I felt threatened and mistreated as a customer because of this experience. '' She told me that's why I can not afford to pay for my car. '' I called back and talked to someone else, and they informed me that I could make the payment which I took care of yestersday so my family would not be contacted anymore when I already called and talked to WesternFunding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Good Afternoon, I am trying to find out whom the best person/bureau for me to contact regarding a financial dispute. I took out a Direct Parent Loan for my daughter in XXXX in the amount of {$9500.00} at 7.21 % interest. I have made the monthly payments of $ 75-100 ever since XXXX and requested on each check that the overpayments amount be applied to principal amount. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX ( remove " Pay a head '' terms ),  XX/XX/XXXX ), regarding the balance and how payments were being applied, they keep stating they would escalate, review and get back to me. It looks like they added another {$740.00} of INT Capitlztn, which if you take XXXX7.21 % that equals {$680.00}. It also looks like they changed the terms at some point. 
My recent review on my credit report shows a balance of {$9300.00} still being owed?! I am not sure how this could be possible with such a low interest rate and consistent payments being made on-time and even during times when the loan is deferred ( because she is now in XXXX school ), I am still making the payments but the balance isnt going down??.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I received a letter from Santander Bank about our mortgage indicating that they had not received our last payment and that we owe {$2900.00}. I called the bank and they said that they are not dealing with mortgage issues because First Bank acquired them ; therefore, I had to call First Bank. I called First Bank and they inform me that on their end, all payments are up to date and there is no issue. Even so, my credit scores and my husbands credit scores went down more than 50 points which because Santander closed our mortgage.

Now we do not understand why we are being penalized in our credit scores for something that is not under our control. We called XXXX and XXXX  and they both explained that it is automated by a
formula. Which we understand, but the formula does not contemplate that we had nothing to do with the change of bank portfolios! Is there any way this can be fixed and get our credit scores in good standing? We have responsibly paid all our debts and have worked hard to
better our credit scores, especially after Hurricane Maria when everything was such a mess. 
I am available to talk about this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept Zelle for payment. I had used Zelle via XXXX XXXX in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my Zelle account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be Zelle customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from Zelle, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a Zelle business account. I immediately contacted XXXX XXXX to request an interception of this transaction ( case # XXXX ). I was told by the XXXX XXXX agent that she could not intercept the payment, but that she would file a claim to request that Zelle investigate it. I also attempted to contact Zelle directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because XXXX XXXX had held it because of my call, but was dismayed to see that it was processed XXXX days later. On XX/XX/2022 I contacted XXXX XXXX again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: MS
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:
XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
I purchased foreign currency ( including euros and XXXX XXXX ) from PNC Bank prior to my overseas vacation 3 weeks ago. Their website clearly states that " And when you return with excess currency, PNC can buy it back for immediate XXXX. dollars. '' There are not caveats, disclaimers, or limits listed. 
On my return to the XXXX, on XX/XX/XXXX, I brought my excess currency to PNC, and the teller immediately exchanged the XXXX euro note for {$5.00} XXXX, but when she processed the XXXX XXXX, she and a supervisor read that it had to be sent in first, before I would receive the XXXX equivalent of {$21.00} USD, and that it may take a couple days. A couple of days later, I received a call from PNC stating that they have a {$100.00} USD minimum buyback amount for XXXX XXXX, and they are unable to buy my note back. I spoke with the PNC XXXX XXXX, XXXX, at the XXXX PNC, and she filed a complaint for me. The next day, XX/XX/XXXX, I received a phone call regarding this complaint. The PNC woman told me essentially that because the department who handles currency exchange has a {$100.00} limit, the matter is settled. I advised her that their website currently says PNC buys back foreign currency ( with no disclaimers ). She kept looking for outs for PNC, and mistakenly referenced their foreign check cashing policy which does have caveats. I told her that 1 ) I am a PNC customer ( not a stranger on the street who found some foreign cash lying around ) 2 ) I purchased the very same denomination FROM PNC just 3 weeks ago and 3 ) PNC charges me both to receive the foreign currency, as well as cashing it back in, so I'm not sure why they are acting like they are taking a loss by issuing me {$21.00}, and 4 ) there is NO listed minimum buyback limits listed ANYWHERE. The tellers at the branch I turned it in to didn't even know about these limits. Very dishonest. As is the website. The woman on the phone told me that XXXX currency isn't a " standard currency, '' for them. Well, they were able to obtain it for me when I requested it, so I'm not sure why they act like it is something they have never encountered. Had I known there was a {$100.00} minimum buyback, I would have spent the rest of the money overseas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions 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:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XXXX I sent a letter about items that were falsely put on my credit report for them to be taken off it is now XX/XX/XXXX I do know that due to covid response times may take longer than usual. I still feel like I am being taken advantage of and ignored, I have been patient and demand the negative items be deleted at once or I will seek litigation. my Information was also damaged due to the XXXX data breach. I hope someone can please hep me and get this false information removed

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 2018-02-18
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation taking more than 30 days on a dispute items i sent to navient and XXXX cra violations of my rights inaccurate information must be removed

Company response to consumer: Closed with explanation