BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Additional atm overdrafts

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 2023-04-14
Company: Nelnet, Inc.
State: GA
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:
I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I was given the opportunity to respond to my previous Complaint ID XXXX, however, I missed the deadline due to XXXX situations. 

Since Chase Banks XXXX, XXXX XXXX failed to meet their deadline, I believe that its only fair to allow me to reply to, and comment on her inability and failure to stay on topic. 

Her response is a classic example of the mind set and methodology that is utilized and practiced by most manipulators in business and their personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Skrill USA, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I signed up for a Skrill Wallet on XX/XX/2021 to be able to play on a site called XXXX XXXX XXXX XXXX, XXXX. I was a little apprehensive about using Skrill when it wanted me to link all of my Banking login credentials to deposit money on the XXXX website. So XXXX accepts Debit and Credit card deposits on their website so I opted to deposit with that method instead. 

On XX/XX/2021 I was playing on XXXX and ended up winning {$900.00} and decided immediately to cash out my winnings. Well, XXXX " recommends '' to cash out your winnings using Skrill. But in order for me to cash out I needed to successfully make a deposit with my Skrill account into my XXXX account. So I decided I would link my bank account to it and make a {$4.00} deposit so I can cash out my {$900.00}. That first transaction was declined ( not at all sure why they denied it ). Then I attempted another purchase of {$4.00} ( I had adequate funds in my account to cover both of the {$4.00} purchases ) The second deposit of {$4.00} successfully completed ( Transaction ID : XXXX ) and I sent XXXX a picture of my government issued ID as well as a utility bill in my name on XX/XX/2021 to complete the Identity Verification process with XXXX. 

After I completed and submitted all of the above requirements to cash out to my newly opened and verified Skrill account. I was able to request a cash out from XXXX. I did that on XX/XX/2021. I ended up only wanting to cash out {$460.00} due to playing more on the XXXX website. I had a pending {$460.00} transaction up until XX/XX/2021 then I received a very vague email from Skrill saying " Skrill Payment Successful '' ( Transaction ID ; XXXX ). 

I immediately checked my Skrill account expecting my funds to be in the digital wallet for me to transfer. I was wrong the funds were not in there nor even any pending transactions logged in my Skrill account. Not even the {$4.00} transactions that failed and the one that went thru? 

I am unable to reach anyone from XXXX or Skrill regarding what is happening with this missing {$460.00} or how to even unlink my checking account that I fear could turn into more fraudulent issues with Skrill having access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: PA
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 have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I  asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account XXXX XXXX XXXX XXXX is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating.

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX  ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Professional Recovery Management
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Fox Collection 2 times, dated XX/XX/2021 and XX/XX/2021. Fox has sent me nothing in the mail. I requested verification of an account, which is my right as a consumer. They violated this right. I looked to see if I could find a different address online, since I was using the one reported to my credit. Their website lacks such relevant information, this must be a violation as well, it's almost as though there is no right to dispute with these people. Please help me, they have caused me significant damage, both to my reputation and my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX 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 2021-08-19
Company: United Accounts, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United accounts continues to publish records of debt this is not mine. 
This debt has been disputed and has been found as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: Account Recovery Service, Inc. (WI)
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is Account Recovery Services. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX XXXX hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is the service provider for our consolidated student loans. We are XXXX and XXXX respectfully. I believe that we have been victimized by the practice of withholding relevant information that would have been in our best interest when struggling to repay our loans over the past 40 years, I found several lawsuits that describe our situations and some of them were won. 
1. We were advised to use forebearances or deferments, rather than directed to IDR options. 
2. We experienced a bankruptcy ( and nothing was discharged ) 3. We have been paying on this thing for decades and the orginal balance was only $ XXXX and now over $ XXXX with the principal pretty much the same and interest as much as the original loan. 
4. We're not even sure how we ended up with our loans consolidated. 

Not sure how to resolve with Navient as they are being sued for these very practice3s.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
This company has now damaged my reputation as a consumer as well as violated my right to privacy. They have furnished inaccurate information and accounts in the report as well as furnished my information to other parties without my written consent as a consumed to do so Violating Title 15 U.S.C.1692c ( b ) and 1681b ( 2 ). As a result of this action they have caused greater harm to my reputation with the 22 unauthorized inquiries present that are not connected to accounts. This is a continuation of violating Title 15 U.S.C. 1681n ( b ). This company has previously disregarded the consumers request for reinvestigation of these accounts and inquiries hurting the consumers ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact, or transaction with. The collection agency is Amerassist Ar Solution. Reported on XX/XX/2020 Original lender is listed as : 01 XXXX XXXX XXXX XXXX No other information is listed. 
I was never contacted, and never received any information regarding any debt, and I do not recognize the original lender and I do not have any affiliation with that entity.

Company response to consumer: Closed with explanation