BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: AL
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 submitted a dispute with XXXX XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX  removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, XXXX, Equifax. To date this information still remain ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a dispute with XXXX  XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, Transunion, XXXX. To date this information still remain ....

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: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection is not from original creditor. I.C. SYSTEM, INC at XXXX XXXX XXXX XXXX XXXX, XXXX. Has been sending me collection notices in the amount of {$960.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2020-11-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with BB & T ( Truist ) online around XXXX or beginning of XX/XX/2020. I deposited a check of XXXX at a branch a few days after opening the account. I also deposited a {$100.00} check on the mobile app. I waited several weeks and never received a card. I contacted bb & t to ask when Id receive it and thats when I was told there was a card issued and its been used. So they had me open a new account and closed the original one. I received my debit card the following week and tried activating it but they said I couldnt because the account balance was negative. So the following week I received a letter stating the account was no longer negative. Again, I was unsuccessful at activating my card. They said it was froze. So I assumed a new card would be issued. They helped me gain online access to my account. I submitted 3 bill payments using my checking account number. I also tried sending money through XXXX to a family member on bb & t website so that I can have access to cash but it would not go through. I never used XXXX before so I figured I wasnt doing something correct. I then received a voicemail the same day saying to contact bb & t to verify account activity. When I called them they told me my account was frozen because it was being investigated. Which I figured it was because of the fraudulent charges. But I have been unsuccessful at getting an answer as to why I cant access my funds. They provided the provisional credits within 10 days like they should but they should not be blocking my access to them. That defeats the purpose of provisional credits being issued. Ive contacted bb & t daily to get answers but 95 % of the time My request to speak with a supervisor is refused. The 5 % that I have been able to speak with one Im told they dont have the answers as to why my access to my money is being blocked. All they know is that its under investigation. Yet no one can direct me to the department handling it and they say they are waiting on a response from them as well. This has been going on for almost 2 weeks. Im left in the dark, broke, unable to pay bills. The bill payments I submitted were returned. My electric, phone, and internet are all pending to be shut off. I cant get any answer or help from bb & t. Ive been out of work since XXXX. That money was money I had transferred out of my unemployment debit card with XXXX XXXX XXXX. Ive even contacted bb & t to advise them that I believe I know who intercepted my card and made those charges. Yet Im treated like the criminal every time I contact them. Im constantly promised supervisor callbacks but never receive them. I have no way of speaking to anyone that can help me and will soon have no access to a working phone. Please help me get this 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 2017-11-03
Company: Vengroff Williams, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/17 from Vengroff Williams , Inc. stating we owe {$430.00} for a credit card charge back for their client XXXX. We have never had a XXXX credit account. Letter stated it was a second attempt. Never received first notice. We believe this is fishing, fraud, scam or identity theft related. We tried to call company but can not reach someone live and are concerned about fraud and leaving information on voice mail. Account number listed is XXXX, reference number XXXX. Letter is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge. 
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.

When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time. 
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me. 
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency. 
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures. 
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.

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 2020-12-18
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieved an email message on XX/XX/2020 communicating that my checking account had been suspended and that I would need to re-submit photocopies of the front and back of my ID Card in addition to 2 utility bills and also a selfie photo of myself holding my ID Card. In response to this email message I requested that my account be closed and a check be sent to me with the remaining balance of my account ( more than {$2500.00} ). I called the bank the next day to reiterate my request for account closure and a check for the balance of my account sent to me by mail. The bank refuses to send the funds within my account unless I meet their unreasonable demands for identity verification. I no longer wish to bank with Axos Bank and would like my funds returned to me as soon as possible. Please help me secure return of my money from Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call on XXXX from a guy who said he was XXXX XXXX a legal Courier of XXXX XXXX XXXX. He stated that they were going to come to our house and serve papers and our place of business or a relatives house. Case # XXXX. He would not tell me what it was for only that I owed over {$6000.00} from XXXX He had my social security number and my ex-husband social. He called from XXXX. He said to call XXXX or XXXX. 
They claimed to be a XXXX XXXX? They were very threatening. They also said something about Wells Fargo dealer services which showed up on my credit report that's how they might have got my information.

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 2021-10-21
Company: Rocket Mortgage, LLC
State: OK
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 they take the company side every time I had a dispute with XXXX XXXX and it was not my account syntroney bank added my name to the account when my wife filed bankruptcy I am suing them now. Now XXXX is siding with quicken loans they aboved my loan they up the closing cost to over XXXX I sued them small claims and they paid me But they ran my credit 13 times I have no idea why thAt could happen. I want this off my record quicken loans is a bait and switch company this wasnt on my credit until I sued them then they added all the credit checks to get me back. If they are in the right just so up for court instead of paying I have proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in an IDR plan last year and needed to recertify in XX/XX/XXXX. I have tried over and over to recertify. I do bot have access to my husband 's income or bank accounts and therefore i know i do not have to use his income. I have told them this for the last 8 years. Finally lady year was the first year someone listened and i was able to enter into an idr plan with a XXXX payment. For 8 years prior i was either in deferment or forbearance because they would not listen and did not offer the idr plan. They also didn't offer any assistance when i was on unemployment and XXXX in XXXX - XXXX. I could have had my loans paid off but now im at over XXXX mostly in finance charges. Now its set to come out of my bank and its a XXXX payment i only bring home XXXX each paycheck. I wont be able to make my bills this month. They don't listen and they don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent debt validation and cease and desist letters to EXPERIAN credit reporting agency several times about an alleged debt.I demanded that they remove all inaccurate or negative information from my credit file. EXPERIAN had 30 days to return notarized affidavit along with proof of validity of a signed copy of the alleged contract or agreement EXPERIAN doesn't have my permission to furnish any of my information however I am demanding the deletion of negative and adverse information.So far EXPERIAN have not responded and is now in violation. I have a signed form XXXX that was received and returned to sender via ups XX/XX/. XXXX XXXX XXXX XXXX XXXX. As of XXXX XXXX EXPERIAN is still showing negative information. I need all 10 inquiries deleted, all Public Records, all closed accounts to reflexed in the positive and all collection accounts deleted, delinquent accounts to show positive and updated personal information to reflex only on address. EXPERIAN need to ask permission to furnish my info. EXPERIAN 'S reporting has damaged me financially severely. There is a big difference in scoring between XXXX and 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 XXXX XXXX XXXX put an unknown collection on my report. This collection is not mine and belongs to someone else.

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: 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 had filed for chapter XXXX Bankruptcy Discharged Date Filed XX/XX/20011. I have just started to build my credit back up with my first credit card from XXXX. I am up to date on all my payments and had ask for a credit increase. The Bank ( XXXX XXXX ) which got a credit report from Transunion consumer relations which had false information on the report. They put on the report that I had Serious Delinquency, and Public or collection filed, too few accounts currently paid as agreed, Lack of recent installments loan information, too many accounts with balances.And it said number of inquires was a factor in score. XXXX score. 
All of which is false information..I called Transunion and they would not send correct information to XXXX XXXX which denied my credit increase. My record should be clean after my Bankruptcy.. Please make them send correct information to XXXX XXXX. I only have one credit card and that 's with 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 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Regarding case # XXXX for Card # XXXX, Capital One requested my drivers license due to suspicious charges on the account. My wife sent my drivers license three times, one by a link they provided, the second time it was faxed, and the third time she mailed a copy. They replied and said they could not zoom in on the copies even though they are legible. 

I mailed a letter by certified mail to Capital One t on XX/XX/2020 saying the restriction is not lifted by XX/XX/2020, then CLOSE the account. There is a {$1400.00} credit plus I made a payment of {$15.00} on XX/XX/2020 that I want refunded. 

I called Capital One after receiving conformation from the post office that the letter was received by Capital One. The male I spoke to said I would receive the {$1400.00} credit refund. As of today, I have not received the {$1400.00} credit refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.

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