BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: TN
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 recently submitted a dispute with Experian and submitted proof to Experian in reference to an agreement made by XXXX XXXX XXXX and myself, XXXX XXXX. The agreement was recorded by XXXX XXXX XXXX  And I to pay 2 payments of {$780.00} which was to be debited from my account on XX/XX/2020, which they collected and the final payment of {$780.00} on XX/XX/2020, which they did not collect which they broke their agreement. Then they sent the remaining balance to another company and increased the payment. I called Experian and spoke with one of the agents and they overlooked the fact that this company broke their agreement and placed this back on my credit under a new credit reporting agency called XXXX XXXX. Because I made this agreement with XXXX XXXX XXXX and they broke the agreement With me, i demand that Experian remove this from my credit report. I also request that Experian send me a full copy of how they performed their investigation and verify that they submitted the copy of the first payment of {$780.00} that XXXX XXXX XXXX received from my checking account. Including copies of the recorded agreement between XXXX XXXX XXXX  made to send to my attorney. I know that Experian did not do a through investigation because if they had, this item would be deleted under the fair credit reporting act. I also spoke with XXXX and the collection representative stated that they no longer had the account. Then told me to call XXXX XXXX, which is a third party collection agency that they evidently sold the account to, after XXXX XXXX XXXX  collected my money from the agreement made with them and XXXX. These companies are running a scam and will be also reported for legal 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 2021-05-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit file I noticed XXXX XXXX from XX/XX/2018. I have no knowledge of this. I did not sign any paperwork with the company in question. This is fraud and done without my consent. I am taking action now by coming directly here to solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 opened checking and savings account with SunTrust Bank. Transferred over {$4000.00} from my XXXX account to open both accounts. Downloaded the mobile app and signed up for mobile banking. Both the website and mobile app never functioned. XX/XX/2020 I stopped by the branch to see what was happening. I was told that the transfer hadn't posted yet so that is why the website and mobile app weren't working. I made a deposit by check into both accounts of {$500.00} each with additional {$20.00} in cash into each account. Everything began to function after XX/XX/2020 and the debit card and checkbook came in. XX/XX/2020 I deposited {$38000.00} via cashier check into the new account. XX/XX/2020 I deposited {$36000.00} via cashier check into the new account. On XX/XX/2020 I reviewed my account on the mobile app and was prompted to call customer service because my account had been closed. I immediately returned to the branch and spoke to XXXX XXXX the branch manager who informed me that the account was under review to be close since XX/XX/2020. I told her that I had not been notified by mail, email or phone of this. From that day I was denied access to my account by website of mobile app. I wasn't given a day of when my funds would be returned to me. I asked for the information of the District Manager XXXX XXXX. I called Mr. XXXX and left several messages. When I spoke to him after a week and half of leaving messages he assured me that I would be receiving my funds. It was an unfortunate circumstance. I've left several messages for XXXX XXXX from corporate office with no response. I've spoken to customer service with no resolution and have been told that my money will be returned to me by check sent by regular mail not certified or XXXX. I find this to be more than unacceptable and negligent on the part of SunTrust Bank. If the relationship had been terminated unbeknownst to me on XX/XX/2020 then why did the institution accept two sizable deposits on XX/XX/XXXX and XX/XX/XXXX? It is now XX/XX/2020 and I have no resolution and no money. This is a total of {$79000.00}. I have reviewed comments on XXXX and XXXX only to find similar complaints and clients waiting anywhere in upwards of 3 to 12 months to receive their money back. Too many similar complaints this is not a coincidence. This has the potential to ruin many lives financially in every aspect.

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 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This dispute is with Trans Union. Specifically, the following adverse Public Record, Chapter XXXX Bankruptcy reported by Trans Union on XX/XX/XXXX. XXXX XXXX : XXXX. Statements of fact : This Chapter XXXX Bankruptcy Petition was filed and subsequently dismissed without the petititioner obtaining a discharge. Creditors were not discharged during the administration of the case. Common Practice : According to the credit reporting agency : " The bankruptcy record from the court is deleted either seven years or 10 years from the filing date of the bankruptcy depending on the chapter you declared. ... Chapter XXXX bankruptcy is deleted 10 years from the filing date because none of the debt is repaid. '' Court records, attached, verify this was not the case with the listed bankruptcy. Debt owed to creditors was repaid. The Chapter XXXX Petition was Dismissed/Administratively Closed, not Discharged. This is a distinct difference. 
Previously, Trans Union reported they had verified the referenced Bankruptcy with the Federal Bankruptcy Court venue wherein this case lies. However and to the contrary of the Trans Union claim, the US Bankruptcy Court has stated [ " they do not verify cases to credit reporting agencies. '' ] I have requested the US Bankruptcy Court to verify this in writing with the Court Clerk Seal. Consequently, Case XXXX, qualified to be stricken from my credit report at 7 years, XX/XX/XXXX. It is now@1.25 years past the qualifying date to strike this notice from my Trans Union Credit Report. This adverse reporting is directly impacting my ability to obtain a XXXX XXXX loan. I can now demonstrate damages, I have standing to bring the case and given the numerous requests to Trans Union on the same issue and discoveries at hand, this matter appears ripe for class action litigation.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did XXXX and have been going in a big circle with trying to get theses unauthorized inquiries off.

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 2020-05-15
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 information incorrect

Complaint:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: LEXISNEXIS
State: AR
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:
ONCE AGAIN XXXX  DELETED BK PUPLIC RCORDS WITH XXXX XXXX, CASE XXXX AND RE-INSERTED XX/XX/219 WITHOUT 5 DAY NOTICE TO CONSUMER. THIS IS A INVALID LISTINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
The auto loan officer said in Words, which were recorded on their end, that my loan would start on XX/XX/XXXX and not to worry about signing although it said XX/XX/XXXX because I'll put some notes in there saying to change the loan to XX/XX/XXXX and now they won't do anything about it. 

Principle of being lied to and having to spend money earlier than expected. From a large company. This type of action or lack of reaction from there organization only makes me plan to close all my accounts asap.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a billing dispute for {$1000.00} with Citibank Credit Card XX/XX/XXXX, paid to merchant, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for a 11 carat stone they advertised and sold to me as a natural ruby. I opened the dispute with the credit card after trying to contact the merchant by phone, XXXX message and by email XX/XX/XXXX upon learning the stone was a composite, a fake and receiving no response. Citibank provided no instructions regarding the dispute until they closed the dispute the first time and advised me to return the item in order to pursue the dispute further. Upon this instruction, I returned the item, provided proof of delivery made on XX/XX/XXXX and waited until XX/XX/XXXX to learn that Citibank takes the position that the charge is valid since the merchant will not accept the return. I therefore have paid {$1000.00} for an item that is not in my possession. The merchant has kept the money and their product, and Citibank has again closed the dispute.

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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The account ending in XXXX with Chase was fraudulently opened. It does not belong to me I would like for them to delete it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The physicians that they claim I saw do not exist as a group. I called the phone number and wound up on the phone with XXXX XXXX who stated it was the janitors room and they receive the same call every day, several times a day. I believe they are fraudulent and the debt they are stating I owe, if it is real, should have been processed through XXXX. I believe they cant process it through XXXX  because the original debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested that my address be updated in XXXX, prior to my move in XX/XX/XXXX at the local XXXX 's store and was told that it was. It was brought to my attention that the store never changed my address when they reported my payment as late. I never received a bill and was unaware that I owed a balance. I promptly contacted XXXX 's on XX/XX/XXXX and paid the bill in full. They agreed to waive the late fees and gave me a phone number to call the credit department to remove any late payments on my credit. I called XXXX, which was supposed to be the " credit department '' and was told that is not the credit department. I waited on hold for a while and then they disconnected mt call. The late fees have not been removed and my credit has yet to be corrected!

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 2020-05-15
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 information incorrect

Complaint:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer

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 2019-05-28
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received 40 calls in less than 30 minutes. And they are still coming as I wrote this. Its absolutely harassment. I dont go a minute without getting a call starting at XXXX XXXX and it is now XXXX XXXX. This is an awful way to conduct business, and is not following 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 non-monetary relief
Consumer complaint received 2020-08-23
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:
My media bills I have been disputing have gone nowhere. I am a Veteran and they were an emergency so I had to go to the hospital. They were told to bill the VA!! NUMEROUS TIMES AND STILL THEY ARE ON MY CREDIT REPORT!! Also my X-wifes name is with my name XXXX -- She did get phones out on my credit also. She added herself on there to do that and was never questioned?? I have never applied for a credit card and there are 8 I think inquiries??? She will do that!! Once I get all this straight then I can lock my report. I have disputed all of this mess and still nothing has happen?? Thank You!!

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 2020-06-24
Company: FMS Inc.
State: ID
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:
Collection account has been paid in full on XXXX/XXXX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed out of {$70.00} for a concert ticket. Because I used XXXX, they refused to do anything about it.

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 2020-07-03
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover, without my authorization, signed me up for Payment Protection and have charged me over {$3200.00} since XXXX. I have asked to be refunded the full amount and they said they would only return the past six months. I struggle every month to pay my bills and they have taken advantage of me. I also know that there was a class action lawsuit which they admitted no wrongdoing. What concerns me is that Discover continued with the unauthorized program after they were caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX  and XXXX XXXX XXXX that paying my loans would place me in hardship. 


I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX. 

The loan companies have used tactics such as threats, calling my family ( XXXX XXXX  XXXX did this ), telling me I have no options, and depleting my credit score. 

I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Atlanticus Services Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Fortiva account i am not aware of this as well as the credit one I have a complaint filed on this credit compang for not securing my info.i had my partner talk to them and no verification process nor asking consent from me but all was told to my partner.and that is the reason why i called to them is someone opened an accoint under my mame so i am not surprised that theyet some one used my name. 
All the i quiry is note.i was in XXXX for 10 days still recovering till now i was sick from XXXX and just revoreing now

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