BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : I have check my credit report and had found a delinquency on my XXXX card account which is in accurate, this is a alleged late payment on XXXX. 
As a consumer I have the right to request verification and/ or validation of this inaccurate reporting which is affecting my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification. 
Under federal law you must provide : name, number, position occupide by the person how verified this late payment, failure to do this is a violation of federal law.

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 2018-06-20
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
For the past several years, I had been received several calls for payment, when I stated I would like lower payment plan, customer service didn't offer much of a solution. 
They wanted the money. This had been going on for several years until recently-the past several months it had been less harassing. Currently trying to pay online, Navient has a pop up wanting to say " yes for sending emails '' and can not say no to this pop us, unable to may payment online, tried to call to make payment by phone. The computer system is down and to call tomorrow. Its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: MN
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-11-26
Company: WELLS FARGO & COMPANY
State: NV
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 has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-02-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX : cash deposit made of {$9900.00} in coins and bills.

XX/XX/XXXX : issue found on deposit amount and changed 1 of 2 times. Other change made on XX/XX/XXXX.

I have reciept stating cash deposit of {$9900.00} and another deposit stating {$9200.00} from same day. Both are over deposit bank is saying is actually placed.

Why does the deposit slip state a different amount than the transaction amount? Also, this is greater than the amount which was changed to.

When issue with transaction was discovered on XX/XX/XXXX how was this believed to be from transaction made on XX/XX/XXXX? Why did it take so long for issue to be discovered and processed?

If error was found prior why such a long difference in processing a cash transaction?

teller put transaction through bill counting machine. Counting machines add the transactions prior to being processed.

I would like to know amount counting machine states went through the system.

If amount is different on deposit from counting machine is the difference in coins?

If transaction was lower than initial deposit why was it assumed to be my transaction which was the cause?

Does each transaction get separated once processed or does each transaction get combined after being processed?

All money went through counting machine then was rebanded with correct amount the band states by the teller banding them. If a band is different than stated why is it banded in this form?

If transaction was counted in counting machine, the machine should be tied back to the teller when submitting the transaction amount so no errors are created or caught prior to making any.

Did the teller receive a warning about a difference in the transaction?

If they recieved a difference was that due to coins creating the difference?

If this isn't the case why did the teller accept a difference in the transaction?

Why didn't the teller ask for help in this transaction if there was an obvious difference from the coins and counting machine not combining the correct amount as the transaction amount?

Why was transaction deducted 2 times rather than 1 time if an error occurred?

Did more than one error occur on same transaction?

Is it common practice to not let aware errors or deductions in accounts when they occur? No attempt to contact was made in email or call when both are on file with banking system.

What is the legal grace period to change a cash deposit transaction? Cash deposits are made in legal tender coins and bills which are made legal in all of the United States no foreign money was involved in this transaction so amount should never change.

I would like to see a time stamp or transaction number of some sort from the bill counting machine referring to this transaction number on attached Reciept with the deposited amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Was not notified of investigation status or results

Complaint:
I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX MXXXX Account 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 explanation
Consumer complaint received 2021-07-13
Company: John C. Heath, Attorney at Law, PLLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington law predicted 6 months of their services would fully correct my credit score. I believe they knowingly are misleading customers about that timeline. I used their services for 4 months, and they only thing they did was lower my credit score. 

When I confronted them about the 6 months quote on work, they had platitudes already in place to excuse away that prediction. Further, solidifying my suspicion that 6 months of service never fully completes their work. 

Even more egregious, when I tried to cancel, they attempted to persuade to keep me as a client by saying they could do more. I was already paying for their top tier of service. Yet, somehow there is more than can do if you threaten to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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 Guys. I'm glad I was able to find you. XXXX, XXXX, and Trans Union are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

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 2021-07-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
From : You Sent : Friday, XX/XX/XXXX, XXXX AM ( XXXX ) To : Comenity Bank Subject : Payments Message ID : XXXX i made a payment via XXXX XXXX XXXX XXXX XX/XX/XXXX electronically, in the amount of {$400.00}, which Bank says cleared XX/XX/XXXX, but not reflected when I log in XX/XX/XXXX, and review transactions/statements. 

From : You Sent : Friday, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX To : Comenity Bank Subject : Re : Payments Message ID : XXXX I spoke with Comenitys `customer service XX/XX/XXXX in XXXX who after reviewing the payment I made to our closed account XXXX,, who was nice enough to write a letter internally to have the {$400.00} reapplied to my current account umber XXXX, who said it could take a week. I also issued a payment in the amount of {$29.00} through XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which since via mail scheduled or antipathy to be delivered XX/XX/XXXX. Shame the address for mailing payment to Comenity, - My BJS Perks XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX, only accepts mail from XXXX XXXX XXXX XXXX instead of a electronic payment system. 

HAD COMENITY BANK, when they received the {$400.00} on XX/XX/XXXX to our closed account, rejected payment because account was closed or immediately sent notification to the old account number telephone number and email on record, payment of the {$400.00} could have been reapplied to the new account number. The gentleman I spoke with who supposedly wrote the internal letter to have money transferred to the new account, I hope was telling the truth. I received a email last night saying funds have not been received. 

I see the very, very, very poor rating of Comenity on the XXXX, and now regret getting the new account under my names versus the closed account under my deceased wifes name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a golf cart on credit and my first payment was due XX/XX/XXXX. I went online to the credit cards website on XX/XX/XXXX to pay my bill and a late fee was assessed on XX/XX/XXXX! I contacted them on XX/XX/XXXX to request this be removed immediately and to confirm back it was not reported to the credit bureaus. They have not responded to me yet ... 3 days later. 

I want this resolved and I also want the proper authorities to have this company stop the practice of levying late fees BEFORE a due date!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I became very XXXX and my husband and I contacted Flagstar Mortgage company for help and they said they would help. They put us in a forbearance for a year and then they wouldn't refinance with us after that year we were told that we had no contract with them we ended up in court and we won the case so they sent us a new mortgage that saves us XXXX ... .they 're not reporting or payments or non payments to the credit bureau so we can not refinance with another mortgage company.

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 2018-08-07
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector is collecting a payday loan debt from 2012 that was done online XXXX This debt collector National Credit Adjusters as they are called contacts me on both my work phone number and cell phone numbers repeated even after being told not to contact me any further. This debt collector when they contact me on occasion when I have talked with them will not discuss the reason for their contacting me regarding this debt unless I provide them with my personal information even after verifying at least my name and home address or contact numbers as they have them. They want me to verify my social security number and date of birth which is well over the limit of verifiable information if you have already contacted the person you have reached. I have told them after verifying my name and home address and phone numbers if they can not continue the conversation with my personal identifiable information then there is no reason for them ever contacting me and to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2018 I began refinancing my home mortgage with XXXX  XXXX XXXX. I have a second mortgage that was sold to Select Portfolio Servicing out of Utah/Florida. To date, SPS has not completed their part of the processing so XXXX  XXXX XXXX can schedule a closing. In conversations with SPSboth customer service reps and a manager, Ive gotten the run aroundsaying it will be completed in 3, 5, 7 days since mid- XXXX. XXXX has talked with them and they tell them the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. 
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I called Transunion yesterday to follow up on my dispute with XXXX credit management. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX credit management asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.

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 2020-08-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not 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 2018-11-26
Company: EQUIFAX, INC.
State: MN
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:
The account XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to Equifax and XXXX  but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

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