BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-05-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Have disputed this claim on many occasions, on and off and keep getting back that these charges are accurate. When i contact National credit system inc about disputing one debt they bring up a past debt and tell me to pay an old on that is 7 or 8 years old now. They are demanding i pay XXXX for the apartment complex waterford grove apartments located at XXXX XXXX XXXX XXXX Texas XXXX. Management agreed to let me out of lease without any penalty nor fees per XXXX XXXX property management at the time. Now the company has been taken over by new management team. The company lied and told me that XXXX was no longer there and lied to me. She just refuses to talk to me and refer me back to debt collectors. The ledger balance provided by debt collector does not have a signature on it from management, dates of the lease agreement are off from ledger dates. The lease agreement does not mention anything about a XXXX amount for failure to give notice or early termination addendum. I have never signed one and demand the agency provide me proof that i owe these made up charges. I provided documentation in writing prior to leaving XXXX XXXX XXXX. I put in request some time in XXXX of I requested my file they claim it wasnt on site nor old corporate office.but they dont prior to me getting out of lease. Me and XXXX mutually agreed that i wouldnt have any penalties or fees because of all the problems that they never fixed. I have experience nothing but bad at these complex from the mold, water leak, bad ac unit, roach problem, car being towed several time, ticketed for no parking spots, sewage. problem, and car being broken into. I wouldnt recommend this place to a stranger. I want this corrected and to take off the inaccurate charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from CAINE & WEINER. I had previously disputed this account. I have never done business with CAINE & WEINER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEINER provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEINER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 HAD CALLED PREVIOUSLY TRANSUNION FOR SOME FRAUDALENT INQUIRIES THEY HAVE TOLD ME TO CONTACT THE ENTITIES WHO PULLED MY TRANSUNION CREDIT REPORT I HAD CONTACTED THEM NOTHING IN MY NAME OR CREDITORS DONT MATCH OR PULL ANYTHING UNDER MY PERSONAL INFORMATION I CONTACTED BACK TRANS UNION THEY ADVSD ME TO CONTACT CFPB TO DISPUTE THE INQUIRIES THEY HAD REFUSE TO DISPUTE THEM AFTER MANY ATTEMPTS I HAVE NOT APPLIED FOR ANY OF THESE CREDITORS AND NEED THEM TO BE REMOVED FROM MY CREDIT REPORT TRANS. UNION HAS BEEN VIOLATING ALOT OF FCRA LAWS HERE ARE THE LIST OF THE CREDIT INQUIRIES 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

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 2017-08-08
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My son has several loans under the collection wing of Navient. My son lives in XXXX and has been denied an opportunity to lower his payments secondary to me ( his mother ) being a co-signer. I too am paying school loans and currently work in public schools, we do n't make much is public schools. I have tried to make payments of XXXX monthly and my son pays the remaining XXXX or so dollars. In XXXX hehas had a difficult time with money transferring to his Navient account. The 1st day it is late I receive upwards of 7-10 calls from Navient. As a nurse whose phone is used for district business, I have repeatedly asked them verbally and in writing not to call my phone. Navient uses numbers from all over the U. S. New York to Florida, XXXX, to XXXX. We are good people who work hard. Navient is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a request to place a security freeze on my account on 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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX  - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX  was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.

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 2021-05-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
It was my first time to transact business with remitly inc to send money to the XXXX. The transaction took place on XXXX XXXX, XXXX. As part of their promo for first time clients the company 's website stated that the fee of {$3.00} will be waived as well as the dollar to peso conversion will be {$1.00} = P XXXX. I signed up and entered all my information including my debit card info. I made a transaction of sending the amount of {$600.00} to be converted to XXXX peso amounting to XXXX. Upon completing the transaction my receipt showed that the conversion was XXXX instead of the promised amount as stated. The recipient according to the receipt received an amount much lower than the actual conversion. I called the company and spoke with the rep and I was informed that it was an online oversight? And there 's no way that they can correct the mistake. The support team informed me that the difference in the amount will be added to my next transaction. I thought that it was totally misleading of the company to drive on the promo and then omit a disclaimer that there 's a chance that the promised amount will not go through after finishing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX received an unsolicited and unauthorized email from XXXX XXXX XXXX claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam : My name is ( Name intentionally omitted as instructed ), I am an account holder of Wells Fargo Bank and I am having great difficulty with locating my receipt to show that I purchased a XXXX XXXX dollar cashiers check or money order from Wells Fargo Bank located at XXXX XXXX XXXX XXXX, New Jersey XXXX. I do not remember the exact date of purchase, however I do know that the cashiers check or money order is made payable to XXXX & XXXX XXXX. 

In addition, I remember where I was standing inside of the Wells Fargo Bank when I purchased the cashiers check or money order, it was to the far left, and the teller was a female. The cash was brought to the bank and it was not taken directly from any of my accounts. I also remember vividly hand delivering the cashiers check or money order to XXXX XXXX, unfortunately, he is unable to search his bank history to try and locate the deposit. At the time I purchased the cashiers check or money order, I was driving a XXXX XXXX that I purchased on or about XX/XX/XXXX. Thereafter, I traded my vehicle in on or about XX/XX/XXXX for a XXXX XXXX. Therefore, the cashiers check or money order was purchased from Wells Fargo Bank during that period. 

In conclusion, I have spoken to representatives of Wells Fargo Bank in regards to this matter and I advised them, not many people come inside this particular bank and purchase XXXX XXXX dollar cashiers checks or money orders. In addition, I have absolutely no idea why this transaction is not showing up on my account. I advised them that Wells Fargo Bank has cameras and I am almost certain there were many cameras present the day I purchased the cashiers check or money order. Therefore, I should be on video camera buying the cashiers check or money order and counting my money prior to giving it to the teller. 

In addition, I have purchased dozens of cashiers checks or money orders made payable to XXXX & XXXX XXXX. Therefore, Wells Fargo Bank or the investigating authority can look, see where the cashier s checks and money orders are being deposited or cashed, and have that institution provide a copy of the cashier s check or money order and a receipt showing that the cashier s check or money order was either cashed or deposited into an account. 


Sincerely,

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 2020-10-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello, and I hope all is well. Fed Loan Servicing continues to furnish repeatedly with the same account number XXXX with multiple late-payments. Due to the abundance of identical accounts, these actions from the credit reporting agencies caused a major decline in my overall credit and creditworthiness. Requesting one account with the overall amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: KEYCORP
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
My daughter was denied credit by Key Bank National Association on XX/XX/20. She had applied to payoff an existing student loan with another lender. The amount of the loan was for {$33000.00}. The only reason cited for adverse action was due to her debt to income. 

Key Bank allowed her to reapply by adding a cosigner, so I applied with her. On XX/XX/20, the application was denied due to her employment time ; though the denial letter stated she did not meet the program requirements, they were referring to her job time. 

Her disclosed credit score was XXXX and mine was XXXX. I have ample employment time and very low debt obligations. I should have been considered as a a well qualified cosigner. 

My complaint is why did this company allow her to reapply with a cosigner but to only deny us for a different reason related to her. I feel like I was given no consideration for this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Critical Resolution Mediation LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act 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

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 2019-10-29
Company: EQUIFAX, 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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
The USAA FSB denied me a reasonable investigation of my dispute of an XXXX charge of {$110.00}. They claimed in their response that they did not receive my written statement. Indeed I wrote a statement on XXXX XX/XX/2020 and attempted to upload it via USAA websites Upload Documents feature. I am attaching my written statement submitted to USAA on XX/XX/2020 to this complaint. It is my understanding the upload of my written statement to USAA on XX/XX/2020 was successful. 
The USAA in its response did not describe the circumstances of my dispute correctly and in sufficient detail. The USAA did not describe the cancellation of my original ticket by XXXX and the fact that I had to pay additional {$110.00} to book a new ticket under duress. I was in XXXX XXXX and my original ticket was cancelled without my consent. The CFPB and USAA FSB must understand that this is an unlawful and unfair practice. 
I request that my complaint be reviewed by CFPB and USAA be sanctioned for the lack of a reasonable and fair investigation of my dispute v. XXXX charge of {$110.00} which was made under duress. 
I also wrote complaints to USAA XXXX XXXX XXXX to which the USAA did not respond. If they did not receive my written statement through the upload feature of their website, they could have specifically let me know in a timely fashion. Now months later after I uploaded my written statement and supporting documentation it appears that the USAA does acknowledge receipt of other documents I submitted. One of them was a notice of cancellation of my original tickets. 
I request the USAA be investigated and sanctioned for its conduct. 
I request a review of my complaint by a CFPB supervisor. 
The USAA now says that I used the ticket but they fail yo say that it was not the original ticket that was used and that I was forced to pay {$110.00} under duress to book a new ticket.

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