BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
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 information incorrect

Complaint:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

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 2017-12-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed our bank accounts and did not explain why and we have done nothing wrong. We have always handled accounts in accordance with their policies and the law. 

That is bad enough but they closed our minor children 's bank accounts and claim the children are banned from the institution for life. 

That is arbitrary and discriminatory and punishing the innocent.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: NJ
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:
There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the XXXX credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my Experian. Please fix the problem. 

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 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX  XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

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 2019-11-01
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-02
Company: CMRE Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello my name is XXXX XXXX I have a concern with a company named cmre financial services located in XXXX California back in XXXX  it states I was seen at a hospital in XXXX New Mexico a year later I received notification that my credit was hit hard because i failed to make a payment I contacted the company several times to see why I wasnt informed of this in the beginning that way at the time I could have resolved this manner with a payment at the time also I never a Debt Validation Letter the company said they reduced the amount by XXXX  XXXX and still are seeking an additional {$1200.00} I dont have {$1200.00} to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: AL
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:
I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Acct Name : XXXX Acct # : XXXX To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called Navient to change the repayment plan to extended ; instead, Navient told me to sign for auto-debiting. Additionally, this loan was sold//transfered from SallieMae XXXX  to NAVIENT XXXX XXXX XXXX. The replies from Sallie Mae XXXXXXXX and Navient were misleading. Interest rate was increased from 6 % to 11 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Atlanticus Services Corporation
State: FL
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 mailed the Fortiva, via certified mail, the CFPB collection letter to request verification of a debt being reported on my credit report. A week later I was sent back a letter from the company requesting information from me. I don't know why I'm being asked to provide information, in response to my request for my consumer file as per 5 U.S.C. 1681. I will attach the letter sent from the company and my Certified Mail Receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This complaint involves a prepaid credit card issued via a Citi Visa card by XXXX XXXX in lieu of a refund for a credit balance.Instead of just sending me a refund of {$110.00} on a discontinued account they sent me a prepaid credit card which I never asked for.I did use the card and then destroyed it.I called up XXXX XXXX in an effort to cancel the card and stop receiving account statements.They were of no help and gave me a Citi number.However they informed me that they issued a second credit card for an additional credit that was owed me.They could not give me that card account number and I never received the second card.All of this aggravation could have been avoided if like any other normal business they just sent me a refund check.This is a scam as they are hoping you do n't use the card or do n't use it for the full amount and thereby relieved them of the obligation to pay a full refund.So now I have two credit card accounts that I never asked for that were set up without my authorization and the second card was never recieved.In terms of dates I terminated the XXXX XXXX around XXXX of 2017.I recieved the first card perhaps in XXXX of 2017.I could not resolve this with Citi as I do not have the account number since I destroyed the card and their IVR will not put you through to a live person without an account number.

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 monetary relief
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan was sold, without my knowledge, to Nelnet from Great Lakes. I have called Nelnet on XX/XX/23 and XX/XX/23. Both calls, waiting over 2 hours for someone to answer the phone. No representative has answered or helped me. I would like to ask a representative questions regarding the status of my loan and discuss other repayment options but can not due to this lack of service and constant neglect. 
They took my monthly payment and applied interest - making my loan amount grow instead of decrease. I am a hard working mom, with full time daycare as my biggest expense. I am desperately looking for loan forgiveness, an available representative to call me, anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Bull City Financial Solutions, Inc
State: NC
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:
Bull City Financial Solutions started billing me for my deceased spouse debt a year after he died. These bills were solely in his name before he died. He passed away XX/XX/XXXX. I never signed to be administrator of his estate and my husband had no assets, so there was not a probate estate. I live in North Carolina, which is not a community property state. This credit reporting agency improperly reported my deceased spouse debt under my name to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 sent out letters of validation and deletion letters to Bank of America to make them validate a debt that they say that I owe. Never received a response back or any validation that the debt belongs to me. According to the Fair Debt Collection Practice Act, when I send out a letter of validation, the company has 30 days to respond with the correct validation or else it must be deleted from my credit report. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

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 2023-10-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I called the Chase dispute department to dispute a charge from XXXX XXXX ( transaction XXXX QC processed on XX/XX/XXXX ) in the amount of {$260.00}. I explained that the charge was for a flight upgrade. Since there was a delay to the flight resulting from mechanical issues associated with the plane, XXXX XXXX decided to rebook me on their partner airline XXXX XXXX. Upon being at the XXXX XXXX counter, the representative told me that the upgrade I paid for could not be processed because it was for XXXX. I submitted a claim to XXXX and also called Chase to dispute the charge stating that the product/service ( actual upgrade ) was never rendered. Chase told me that because I was accommodated with another flight, this was valid. Something that neither makes sense, nor was it based on any airline policy. I asked to speak with the supervisor who had nothing else to say besides wanting me to write to some address. No additional explanation was provided, no airline policies and ticket contingencies were reviewed. Investigation was closed prematurely with essentially rationale that did not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: ORG GC GP Buyer, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I disputed through CFPB that this account was not mine. In those 15 days, they've done NOTHING. It doesn't take that long to verify an account. I requested specific documentation, which would leave GS SERVICES 15 days remaining, to provide me with this documentation. FCRA does give 30 maximum. I requested all documentation ( not an invoice ) showing even a contract bearing my signature ( FCRA 609 ) - they have no contract. That being stated, what proof were you given that this account was even opened by me?! I gave them police report number, and FTC report. Which gives a time frame that collection agencies have to remove an account. Same for bureaus. The collection was given to your office in XXXX YET I still have XXXX XXXX   currently in my name. FCRA 609, 823 - provide me the contract bearing my wet signature or delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a cashapp transaction dispute because there was a unauthorized cashout transaction and I made the dispute the same day the agent replied saying we provided you with a permanent provisional credit to my cashapp account XXXX  XXXX and when I clicked approve it said it was cancelled because of my protection and the claim was ended I couldnt reach her again to resend it to me the payment Im very disappointed and need the money resent to my account or added because the agent confimered it should be on my account and there was an issue adding it Im the parent of the account and this is very confusing and need this issue resolved and need my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My social security check comes to me through Comerica Bank ( direct express) and it seems like something was wrong with my account. Whenever I tried to use my debit card at stores, they would ask, did I have another card. I never use all my money and I wasnt able to pay my bills properly and my credit score was going down. Whenever I tried to go into my account or even changing password, I could not get in.  I called in XXXX  and said I wanted the supervisor because something was wrong. I also asked for statements because I it wouldnt let me in online. XXXX XXXX and XXXX were days I called. The XXXX, the woman looked at XXXX  and said it started then. The statements came for XXXX  to XXXX  and I was horrified. I called immediately and asked for account to be closed because someone was using my account. There were different names purchasing things with XXXX ( I dont use XXXX) at least 10 - 12 times a day, daily for months. A supervisor never called. I faxed a statement and emailed one. They refused me. I went to police and filed police report.  I faxed XXXX, and report on XXXX XXXX.
Called XXXX XXXX ( they said I gave permission to ppl to take my money)

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a notarized letter to the credit bureau called XXXX via certified mail. The letter requested the physical verification of two particular debts in accordance with my rights and laws under the FCRA. The letter was delivered to XXXX on XX/XX/2019. In response to my letters, I received a letter from XXXX dated XX/XX/2019 stating that both of these accounts have been verified as accurate. I received two letters from the collection company - Receivables Management Systems, both dated XX/XX/2019 trying to collect a balance on both of the accounts. The only way for XXXX to have verified these accounts with Receivable Management Systems would have been for them to have sent my personal medical records that are protected by HIPAA laws to XXXX. If that is the case - this is a huge violation of the laws and require very large fines against Receivables Management Systems. For Receivables Management Systems to have my personal medical history related to the accounts would be a huge violation of the laws and require very large fines again. In accordance with FCRA and HIPAA laws, either these debts can not be verified and need to be removed from my credit report immediately or they need to be investigated for sharing my personal medical history. At no time did I contest or dispute the debts and accounts in question.

Company response to consumer: Closed with explanation