BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I forwarded a proof of verification letter to TransUnion requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my TransUnion credit report. There are two other negative items being reported XXXX. XXXX and XXXX  XXXX  both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote TransUnion to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. XXXX   XXXX  is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.

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 2020-07-13
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT 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 2020-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have called chase more than 4 times and registered my email and phone number with quick pay and they keep giving me this XXXX  XXXX saying the money will be in my account .... 
Im expecting two transfers of {$10.00} and {$50.00} to be in my account which I have not yet got though XXXX XXXX. 
When I called XXXX customer service to speak to someone its jus highly impossible to have some one speak to u over the phone. 
Why open such a XXXX XXXX company when they dont have any people to assist while we like fools use their service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : NR/XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
after my sudden discharge for the XXXX XX/XX/XXXXMyself and Family did experience a long period of homelessness. In XX/XX/XXXX filed my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From XXXX Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to XXXX XXXX XX/XX/XXXXand XXXXXX/XX/XXXX of which only XXXX was owed. I have called and sent letters of dispute to XXXX and their XXXX XXXX XXXX which is part of XXXX several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in fullXX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan interest is deductible per the tax code. This includes capitalized interest, or interest that wasn't paid on time and that eventually was added to the principle amount of the loan. For several years, I couldn't afford to pay on my loans and apx. {$10000.00} of interest was capitalized. This increased my principal balance from {$25000.00} to {$35000.00}. I ultimately repaid my loans over the course of two years, but I never received notice on the amount of capitalized interest I paid off and, thus, I was never able to deduct it from my taxes. I did receive notice regarding the amount of uncapitalized interest I paid over the two years ; however, as I've previously stated, the capitalized interest is deductible also. I've been trying to find out the total amount of capitalized interest that I paid over the life of the loan so that I can file an amended return and take the deduction. I contacted the Department of Education, and they instructed me that this was an issue for my student loan servicer ( Navient ) I contacted Navient and they said they didn't have information on how much interest was capitalized because they had only been my servicer for three years and, as such, they didn't have information dating back to the time the interest was initially capitalized. I called the DOE back and filed a complaint with the Office of the Ombudsman there regarding the situation. They never got back with me. Despite continued calls to both Navient and the DOE, I can't get my issue resolved. The tax law is clear that the capitalized interest can be deducted and I want my deduction. But in order to take it, I need one of these parties to produce a formal record of the amount of capitalized interest that I accrued and ultimately paid back over the life of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company navient has lost my trust and hope to ever pay back my loans. I never can get the right amount I owe. The numbers change constantly on paper and over the phone. I Have been coerced I to getting money taken out of my paycheck but not actually telling me or exactly telling me that wouldnt happen even though they new thats what they where trying to get me to do almost ever time I call. I feel like the o my way to deal with them is by hdwritten letters thats how bad it is. They say if I pay XXXX dollars or XXXX they will forgive XXXX of dollars worth of loans. Nobody has yet given me a number in years and nobody knows? Something is quite not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: VA
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 never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.

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 2020-02-11
Company: U.S. BANCORP
State: MS
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:
us bank was not authorized to check 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 2019-04-27
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is trying to a collect on a debt that was already paid. 
to XXXX XXXX ( see attached ) I have had no contact with XXXX XXXX other than a degrading phone call that was left for my mom claiming that she will be arrested if this debt was not paid. They are a straw debt buyer who has harmed several consumers such as myself. They have reported negative credit reporting to the credit bureaus. 

In the court case referred to above, the Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45a

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE 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 2020-02-11
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX  CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX  XXXX  tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was 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 2019-04-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
This is my second attempt to find fair and just treatment at the end of my lease relationship with Nissan Motor Acceptance Corp. 
Not only have they improperly reported me late to the credit bureaus which dropped my credit score by XXXX points, but they claimed that my relationship with them was resolved when it is clearly not resolved. 
Though my lease with NMAC is now current, that company is still trying to bill me for issues that were caused by them and not me. This is, specifically, their inability to process video tolls in a timely fashion which caused the very small tolls ( under {$5.00} in every case ) to increase to over {$50.00} in every case, due to the penalties that were added to the tolls. These tolls were NEVER sent to me and were always sent to them for payment, as the registered owner of the vehicle,. In addition, they have charged me late payment fees with NO explanation. as I do not believe I incurred any late payment fees even though NMAC claims that I have paid late almost two years ago. 
How much additional proof does the CFPB need before they declare NMAC a predatory lending institution and fine them accordingly? 
If nothing else, please have NMAC send a letter of explanation to the credit bureaus so my FICO score will rebound and have them take the responsibility for the video toll penalties so that I can pay the actual tolls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my grand son give me check for {$1600.00} i deposit it into my chase account after fund clear my chase bank closed my account never paid me my money they said they need to speek with my grand son check was clear money was taking by my chase bank refuse to pay me my money my grand son called chase 2 times they told him i should call not him to verify the check owner he is out the country most the time  date happen XX/XX/2018 check number XXXX claim number is XXXX with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: NY
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 did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account was charged XXXX for XXXX XXXX XXXX and XXXX for XXXX and XXXX from a atm, I didn't authorize these charges me and my daughter called the bank Wells Fargo and disputed the transactions than they told me and her that we can not dispute them because they didn't meet certain standards which is crazy because I never went to these stores.

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 2020-02-11
Company: EQUIFAX, INC.
State: OK
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NY
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 have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent XXXX a copy of the police report as well as the FTC Report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

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