BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: MI
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:
Mailed letters to all three credit bureau explaining that it was fraud on my chase credit card along with a letter from XXXX XXXX XXXX saying it was fraud asking them to remove the late payments from my credit report. All they did was change the name from XXXX XXXX XXXX to XXXX XXXX XXXX  and still haven't taken it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CCS Financial Services, Inc.
State: NJ
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:
I purchased my new vehicle on XX/XX/XXXX and my policy went up considerably. I decided to cancel my coverage I found another carrier to cover my policies and it was exponentially cheaper. I contacted XXXX XXXX to cancel my policy on XX/XX/XXXX. I was originally told that I had owed for the month of XXXX and XXXX. I contacted the XXXX  to dispute that I owed any past due payments because if I did my policy would have been cancelled due to lapse in coverage. Through the dispute with the XXXX  I was told I would still owe a balance of {$260.00}. I have not missed a payment since XXXX. The issue is the greed of this company I was told the premium would go up but the payments would be spread over the duration of the policy 6 months or more. NOW the company is trying to collect full payment for a vehicle that was insured for XXXX weeks. It is grossly unfair, and it should have been prorated to make matters worse they have reported the account to collections further marring my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
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:
Yesterday XX/XX/19 ..I discovered that their was a new debt collection on my credit it said that it opened XX/XX/2019 & it went to collection XX/XX/2019..so I contacted this creditor & after being transferred to multiple departments & giving different numbers to call, no one could find any information that I owed anything! Because I do not ..this is fraudulent & I want it removed immediately! They could not give me any information, they said they didn't have any to give so I asked why is this showing as a collection XX/XX/19? So they directed me to their fraud department. I want to get to the bottom of this & resolve!

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 2018-09-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. 

When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have  to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. 

In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? 

I feel like PNC is violation Reg CC and Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
I am trying to make a consumer credit transaction. TRANSUNION is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report. 

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made TRANSUNION aware of the inaccuracies and by law they need to correct and update 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 non-monetary relief
Consumer complaint received 2019-12-19
Company: Midstate Collection Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there ar

e medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: NY
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 attempted to fix this ongoing issue with Experian for months. I've sent multiple letters asking that they fix the issues. It is severely hurting my ability to obtain property and live my life in peace. There are unverified accounts listed on my credit report. I've asked for proper verification and the METHOD of verification for months now and each attempt has been ignored. XXXX  and XXXX  were unable to verify those account listed and deleted them. But experian refuse to update my account to what's accurate and tell me who verified the accounts and what method was use to verify the accounts. 
They also reinserted several accounts after deleting them without given me a notice or proper validation of accounts that the claimed are verified, which is a violation of the FCRA. 

The unverified accounts are as listed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, and 2 accounts from XXXX XXXX XXXX 

I've sent my last letter via certified mail. This is my last plea before taking legal action.

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 2019-12-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX College in XXXX, and graduated in XXXX doing a 9 month program. My school was closed down a few months after I graduated for negligent activities and fraud. 

When I signed up for the program I had to take out a private loan. The process wasn't clearly explained to me and I acquired a very high interest rate through Sallie Mae. After graduating I deferred my student loan after going back to school. No one from Sallie Mae said anything about interest incruing, and the forbearance process was explained to me as if everything freezes until I'm finished with school. That was a lie. 

So this loan keeps growing and anytime I asked Sallie Mae about refinancing it they said I couldn't do that. I don't have very good credit because of countless health issues and prior medical bills so I can't refinance it through a bank. I'm also now XXXX and not working. 

When they switched my loan over to navient I had the same problems. They were calling me nonstop for years and every bit I did pay didn't go to the principal of the loan. I was paying the loan back through one of  their payment assistance programs that was for a year period and would need to be renewed after a year. I had to authorize debit card transactions. Navient has been trying to take money out of a bank account that is no longer open, that I had over three years ago, that they do not have access to, and was not agreed to based on last payment program I was on. This was a bank account that I haven't had since XXXX and have tried to delete from their website. 

They do not, and have not had my permission to charge that card since at the very latest, XXXX. How is this legal? I have also tried to get a XXXX loan forgiveness and they say they do not do that for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To make this short, Wells Fargo has changed the order in which a posting transaction was made on my account to charge excessive overdraft fees. And they charge overdraft fees on accounts that have items that are pending, that cause the system to think there is no money in the account, and charge a fee per item. When the pending items post it changes the account balance which gives the account a positive balance that would have reflected on the account when the items posted. Which in turn wouldn't trigger a XXXX  account balance, in turn that wouldn't have triggered the overdraft fees. And when you try to reach an intake specialist in the executive office, they never take calls. They put you in a que. What happened to customer service!?

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MA
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:
Experian never preformed a proper investigation according to the FCRA with XXXX account XXXX. The term investigate consumer report means a consumer report or portion thereof in which information on a customer character, general reputation, reputation personal characteristic or mode of living is obtained through personal interviews with neighbors, friends or associated of the consumer report on or with whom he is a acquaintance or whom my have knowledge concerning any such item of information. Experian did not do this. This is grounds for deleting this account. Experian violate the law because according to 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I did not give Experian or anyone written instructions to furnish my personal information or this 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 2019-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer.

This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
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 2019-11-14
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Ditech. In XXXX of 2019, I was approved for a modification and placed on a 90 day trial which I completed. Once completed Ditech informed me that they would send out a notary to complete modification process. That did not take place. Ditech has now sent a letter to me resending modification because I have a line of credit with XXXX XXXX XXXX XXXX. One loan  has nothing to do with the other. Now Ditech is asking for a lumpsum payment to prevent foreclosure. Having an FHA loan qualifies me for several modification options including partial claims where a one time claim is filed for the insurance fund to pay delinquent amounts to bring my mortgage current. If approved I am responsible to pay amount back to FHA if I sell or refinance house. Ditech is refusing any assistance to force me into foreclosure. They are asking for the lumpsum of {$10000.00} by XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: LA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
* On XX/XX/2019 paid {$160.00} balance on account with XXXX XXXX * On XX/XX/2019 returned all equipment to XXXX XXXX after I had stopped the service. 
* On XX/XX/2019 received letter dated XX/XX/2019 from Berlin-Wheeler, Inc ( BW ) collections agency demanding payment of {$270.00}, in full for past account balance and for equipment charges on behalf of XXXX XXXX. 
* On XX/XX/2019 spoke to XXXX and they were going to check into the issue. 
Spoke to BW on numerous times and informed them that XXXX was looking into this issue. 
BW told me that as long as XXXX is researching the issue they will hold off on further collections activity. 
* On XX/XX/2019 XXXX credited my account and promised to continue the research of the lost returned equipment but asked me if I could pay the full balance remaining so as to stop the collection activity and promised that XXXX will credit back the payment when they find the equipment. XXXX wanted to do this because I continue to maintain in good standing another XXXX account in my present home. 
As such, on XX/XX/2019 I paid by VISA credit card the full remaining balance of {$210.00} with XXXX. 
* XXXX assured me that the payment has been immediately reflected on the account and BW will be notified of the satisfaction of all outstanding balance and fees on their online account systems and will stop collections activity immediately. 
* I have contacted BW after the full balance payment to XXXX and they acknowledged that they do see that the full balance payment has been made. 
* However, Berlimn-Wheeler ( BW ) filed a negative Credit Report on me and has continued to file negative Credit Report updates on my account and has refused to stop reporting unless I make a payment to them also. 
* I am hereby requesting that Berlimn-Wheeler ( BW ) to stop filing false and derogatory and negative Credit Reports on me and for falsely demanding payment  when full payment has already been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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