BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and Transunion advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and Transunion. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as Transunion. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be 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 2015-04-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I responded to an offer online with Chase. 
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106. 

Well my first statement was received and with it was a {$95.00} fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: TRACO INVESTMENT CORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Traco Investments call me serval times threating me that he is going take my cars and boats any personal property I possession. I was never server from this company at all about any owe money of {$6900.00}. 



XX/XX/XXXX Traco Investments call me serval times threating once again about owe money and said he going to take my cars and boats any bank account I owe any personal property I possession. I still wasn't served with any document of this action against me. 



XX/XX/XXXX Traco Investments serve paper to my employer which was a wage assignment to take 25 % of my earning on my paycheck. It was ducted on XX/XX/XXXX of {$470.00}. I was devastated around this time I was struggling to pay my rent. My employer did comply but fail to give me notice of these actions as well. Traco Investments took me to court on XX/XX/XXXX and won the case to collect on this debt that is total fraud. He not an illegitimate business and this is not real case, and I never had any business relations with company and to note this is not even my debt. Court rules this company in favor of {$75.00} of monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2018-05-17
Company: Security Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In or about XX/XX/2017 we went to XXXX outlet store to purchase a mover. We put money down and financed the balance with " Why not Lease it '' two weeks later we returned the item because it was not working properly. The sales person was preoccupied with another store worker and he took the item back and said he will contact the financing company to cancel lease. A week later the store closed permanently. We assumed it was all straighten out. Now the leasing company sold my account to Security Credit Services. They have put this on my credit report as a collection. I called them ans explained what have happened. They still want this ridiculous amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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 have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2017-09-19
Company: AES/PHEAA
State: GA
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:
I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services account no.XXXX .... is wrongfully appearing on my XXXX credit report.Wells Fargo , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers.

My 48 month auto loan was paid off.After receiving clear title, the pink slip from Wells Fargo a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for Wells Fargo fraud to XXXX the account remains on my credit report.At the least this account should be immediately deleted and Wells Fargo, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: GOLDMAN SACHS BANK USA
State: IL
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:
Todays date is : XX/XX/XXXX Regarding Account : XXXX XXXX XXXX XXXX REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : Charge : Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
XXXX requiring written evidence for all the payment you claim that I was late according to my obligations with your company. 
XXXX seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am being significantly impacted on my credit history for an error made by my mortgage company. I have been attempting to figure out exactly how they can claim there is a late payment on this account, when we have records indicating that payments were drafted every month since the inception of the account. 
Based on my extensive research and audit of the payments posted on this account, I can spot a potential egregious error on behalf of the mortgage bank that is showing a possible clerical/typo error when posting my payment. The payments monthly are {$1700.00} a month, but it seems for the month of XXXX they posted as {$1100.00}. I understand that mistake happen, but they are fully aware of this and refuse to adjust it on my credit report. This was their mistake and all I want is for them to rectify it. Furthermore, a payment was promptly made right after to ensure there was not a 30 day lapse in between payments, therefore this 30 day late is completely false, damaging, illegal, and I Demand it gets removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. 
In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. 
We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2019-11-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!

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 2018-09-30
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:
XXXX XXXX XXXX XXXX account no.XXXX .... is wrongfully appearing on my Experian credit report.XXXX XXXX , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers. 
My 48 month auto loan was paid off.After receiving clear title, the pink slip from XXXX XXXX a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for XXXX XXXX fraud to Experian the account remains on my credit report.At the least this account should be immediately deleted and XXXX XXXX, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.

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 2020-07-08
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Nationwide Credit & Collection , Inc., located in XXXX XXXX, IL dated XX/XX/2020. I requested for them to allow me to verify this account. I have not received anything from them. However, I received a phone call asking for this account. This person was not a very nice person. She wanted for me to verify my birthdate before she was able to speak to me. I told her I did not know why she was calling me. Instead she hung-up. You will find in the attached letter what it was sent to them. The letter was sent via certified mail with a returned receipt ( # XXXX XXXX XXXX XXXX XXXX ) and they didn't acknowledge that the phone call was illegal. I have requested for them to send me a breakdown of fees from the medical facility, and to provide me a copy of my HIPAA with my signature on it. In inclusion to cease any credit bureaus until this account is verified. They have violated the FDCPA and FCRA. They continue calling without any disregards of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
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:
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. 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 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, 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 seven 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 explanation
Consumer complaint received 2018-12-17
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Bureau Of Collections XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Debt in the amount of {$2100.00} I have been trying to get this debt off my credit report for a long time, at one point the creditor removed it but post it back again. 
the creditor has been denying to provide me with validity of this debt all along. When I try talking to them they will say they will send me documentation to validate the debt and they never do, last time they simply hang up on me when I asked a valid address and the name of the person I was talking to so I could document it. 
They are very aggressive and threatening, and they don't provide any information other than saying you owe them and if you don't pay they will ruin your credit history.

Company response to consumer: Closed with explanation