BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Cfpb This is Proof that Transunion is violating the law they are Not conducting proper investigation see Proof of what I'm taking about On a updated credit report from Transunion but the status update didn't change that is clear proof they didn't contact XXXX because I sent in statements that XXXX had cashed checks on XX/XX/19 I'm really considering filing suit On Transunion. Transunion I'm Going to need from you is every XXXX XXXX transmitt also date and time and date and time chase responded back to you if you are unable to provide this information we are going to consider this as unverifiable account also whatever information you reply back to could and will be used against you in a court of law so you are aware. that you sent them and the also I'm going to exercise my right under the 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and Also the contract with My Sign signature attached Because I don't know what the XXXX you Guys are reporting on my file

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 2019-02-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
2 family members received voicemails stating they were looking for me with as they had legal documents that needed to be signed. I received a call from caller Id showing phone # in XXXX XXXX court they told me a sheriff had gone to my house and no one opened the door. That I had to pick up legal documents. I asked what was this law suit about they gave me the person who was suing me ( XXXX ) XXXX to call them and they would tell me the case number. I called and they told me I owed $ XXXX for a credit card opened in XXXX. I advised I filed bankruptcy in XXXX. They said I still owed because I got married and my debt goes to my husband. Then I receive a call from Another number called back as no voicemail was left. Appeared to be the sherrifs department and they said they never called apparently this company used their phone # in the caller Id. Called back the same number again who was suing me and told them I need documentation and that I was going to report them. They stayed they had already served me and would see me in court. I have no forms mailed to me stating I have being sued for credit card opened 15 years ago. Also they are now harassing my family members. They asked me to pay half as a settlement and would give me 3 hours to pay.

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got scammed after I used my bank of American to make a purchase through XXXX  both of the payment went to a fraudulent account and never received my merchandise or my money. I dispute the charges with XXXX XXXX who referred me to bank of America. After I filed the claims with bank of America for both payments, bank of America change the direct debit guaranteed rules and denied my claims and refused to reimburse my account. I asked to speak to a manager, the representative told me he's infact a senior account executive and that there's no one else who can help me. Please I need help to recover the XXXX dollar that I worked so hard for and was taken from me and my XXXX  children.

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 2018-09-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. Experian refuses to remove 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 2019-05-30
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. AR Resources sent back a statement of account saying that I owed XXXX. This is not validating the debt anybody can print out or make a statement of account. No signed contracts or agreements with this company or signed HIPPAA release.I have received a response that clearly violates my rights according to HIPAA. 

AR Resources did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I don't have specific dates and times for each attempt except for yesterday, XXXX.XXXX.18. I have called and asked WellsFargo to help me lower my monthly payment and I keep getting denied. I don't understand. My other student loans let me lower the payments. They have never lowered their payment. With multiple student loans, I am struggling to pay them. I'm behind 90 days constantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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 information incorrect

Complaint:
Equifax did not properly and thoroughly investigate my dispute with XXXX  XXXX XXXX. I reported to Equifax that XXXX XXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Equifax that XXXX XXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Equifax that the charges on the account were incorrect and that XXXX XXXX XXXX did not allow me to dispute them and that XXXX XXXX XXXX never contacted me regarding some of the fraudulent charges. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Equifax and complaint with CFPB. I request that Equifax remove the XXXX XXXX XXXX account from my credit report report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a {$500000.00} home equity line of credit : approx 15-20 years ago at a low interest rate of approx. 6 % Without notice : someone at Wellsfargo lowered my still {$50000.00} line of credit to available only {$25000.00}. and open several credit cards at a high interest rate of 12-24 % instead.

I've now have been doubling up on the monthly payments, but the balance only goes down temporary, then a few days later, goes back up. Would like a thorough explanation and written formula of how each interest rate is calculated for each account.

I would like a completed transcript of all transactions of all of my account ( s ) from day one : 1 home equity line, and 5 high interest credit cards that were opened and just appeared online and available.

Solutions : a. re-activate my {$50000.00} line of credit. payoff those high interest credits, at 6 %. b. have someone enroll me in Wellsfargo 's federal hardship program for the high interest credit cards ( no one helps when I called Wellsfargo online number : XXXX ) c. refund the difference between the high interest cards and 6 % ( to pay down the credit cards )

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 2019-05-30
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX purchased XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX I used XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa. At closing XXXX was held for school tax for XXXX county PA. 
My original loan company at time of closing was XXXX XXXX XXXX XXXX XXXX these taxes were distributed to the lender from XXXX XXXX XXXX. On XX/XX/XXXX my loan was sold to Loancare these funds were transferred and deposited to Loancare on XX/XX/XXXX XXXX was deposited to predistributed payments account these taxes were due in XX/XX/XXXX and not paid. They are still sitting in Escrow I have never missed a mortgage payment EVER. I pay on time all the time I have contacted this bank over 25 times by call by email I have held for hours I have spoken to supervisors only to be put on hold and hung up on I have never been treated so poorly. I am in danger of loosing my home that I pay on every month I pay my insurance I pay the taxes to them religiously every month. My home will be put up for sale for back taxes that I paid and I can not get anywhere with them no help whatsoever I have all records of the payments and all of the info shows as well on their website and they still will not help me. I have never experience anything like this in my life my account # is XXXX Loancare XXXX XXXX XXXX XXXX XXXX VA  XXXX Please help me they are ruining my life I spend hours trying to correct this since I received the firs tax notice and they will not help me.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: MT
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:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX  proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX and 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 2019-06-07
Company: CITIBANK, N.A.
State: WA
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:
I checked my statement for XX/XX/XXXX on XX/XX/XXXX. At that time, I noticed that the bill amount was {$42.00}. That was not the same amount on my credit card receipt, where I was charged {$42.00}. Since I only used the card on XX/XX/XXXX during the recent billing cycle, I thought the restaurant where I used the card might have mistakenly charged me. However, when I carefully scrutinized the online statement, I discovered that Citibank had charged an additional {$0.00} for Payment Safeguard, a program which I never enrolled in. Alarmed, I checked all my monthly statements as many as possible. The oldest statement I could obtain online was the XX/XX/XXXX statement. During the two-year period, I discovered that Citibank charged the Payment Safeguard fee five ( 5 ) times, totaling {$5.00}. 

Before I called Citibank, I reviewed my cardmember agreement, including one on the Citibank website, but found no mention of the fee in question. Then, I researched the Payment Safeguard fee on the Internet, and discovered that Citibank has had issues with charging customers this particular fee. Customers have complained in the past that they were unaware of the existence of this fee, only to be told that they had, in fact, signed up for a protection program which allowed the bank to charge the fee. 

I became aware of this fee on XX/XX/XXXX, after careful scrutiny of my recent charges. I did not request enrollment in the program. I have no idea how I became enrolled in the program. On XX/XX/XXXX, I contacted Citibank and explained the situation to them, only to be confronted by an incredulous sounding operator who commented, You did not know that?, concerning my enrollment in the program. I found the comment offensive, as it suggested that I was oblivious as to how I handled my credit card. I requested immediate cancellation of this Payment Safeguard protection, as well as a refund of the money I paid under the usual payment process ( unaware that part of my statement payment was going towards the protection program ). 

The operator told me that a cancellation form would be mailed to my home within 30 business days, but there was no guarantee for a refund of money paid for a service that I did not request. When I mentioned that my research into the program revealed previous incidents where customers reported being unaware of their enrollment in such a program and that the bank was ordered to refund customers payments, the operator replied such reports were unfounded and erroneous. How can this be when my situation sounds so similar to other customer complaints I discovered during my research?

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 2020-07-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally Bank sent me a notice stating that they made a business decision close my checking and savings account. I have over $ 40K in my accounts, am an active client, and have never been in deficit. There is no justifiable reason for them to close my accounts. They only gave me a couple of days notice, which gave me little time to open a new account with another bank and redirect all of my direct deposits and bill payments. On top of it all, there is no time to transfer my funds electronically to my new bank because it will take 3-5 business days to validate the new account, and Ally will close my accounts before the validation process is done. I have no choice but to wait for a check in the mail for all of my checking and life savings, with no guarantee or security that the check won't get lost in the mail or ability to expedite the process. I was told to expect the check within 7-10 business days, leaving me with no access to any money for over a week. Their customer service was useless and I was given contradictory information on each phone call. No one knew what to do or how to help me other than just saying they apologize for the inconvenience. I'm infuriated at Ally Bank 's actions and am at a loss of what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: IN
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:
Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

Company response to consumer: Closed with explanation