BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, on XX/XX/XXXX the joint checking account I hold with my wife at Valley National Bank ( XXXX, NJ ) was assessed a {$15.00} service charge. Although I get over {$1000.00} of direct deposit twice a month at Valley Bank, my balance at the end of XXXX was only {$1.00}. Since there was only {$1.00} in the account at the time of the service charge, my account balance went negative and my XXXX account statement reflected my balance as being in the red by {$14.00}. 

A few days into the month of XXXX, I logged into my online account and noticed the negative {$14.00} balance. As soon as I became aware of the negative balance, I called the XXXX number and spoke with a representative to learn more- I was not expecting a service charge, and I wanted to understand the service charge rules to avoid incurring these fees in future months. I also realized that I needed to quickly restore the negative balance, so on XX/XX/XXXX I transferred {$110.00} to the account from a savings account at a different bank. 

The representative explained that since my balance held less than {$100.00} on the last day of the month, the service charge was assessed. I informed her that I was immediately moving funds into the account so that the account would no longer reflect a negative balance and I also asked for and received a one-time courtesy waiver of the service charge. 

HOWEVER, THE ACCOUNT WAS ASSESSED A SECOND SERVICE CHARGE FOR {$15.00} ON XX/XX/XXXX. 

WHEN I CALLED THE XXXX NUMBER THIS TIME, THE REPRESENTATIVE EXPLAINED THAT IF AT ANY TIME DURING THE MONTH MY BALANCE FALLS BELOW {$100.00}, THE ACCOUNT WILL BE ASSESSED A SERVICE CHARGE. 

SO ESSENTIALLY, AS THE CALENDAR ROLLED MY NEGATIVE BALANCE ( THE ONLY REASON IT WAS NEGATIVE WAS DUE TO THE SERVICE CHARGE ) FROM XXXX TO XXXX, THE ACCOUNT WAS SET TO BE PENALIZED WITH A SECOND CONSECTUIVE MONTHLY SERVICE CHARGE. 

There was ABSOLUTELY NOTHING I could do to prevent this second charge from tacking to my account. 

I find this practice to be highly egregious and I would like to request a waiver of this second service charge, but more importantly, draw attention and raise awareness about this deceptively malicious bank service charge structure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am submitting this complaint because Transunion has failed to provide relief to a previous complaint and continues to violate my rights under the FCRA. I submitted a previous complaint # XXXX to the CFPB against Transunion about inquiries on my credit report. Transunion responded XX/XX/22 that they were reviewing the complaint and would follow up within 60 days. On XX/XX/22 they responded that the investigation results would be sent via US mail within 7 business days. I never received the investigation results and through US mail. Also, in the description of non-monetary relief, they stated inquiry deleted. 

The inquiries are still on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Not only did the investigation results were not shared but also Transunion has violated federal law : 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. States that my written consent is needed to furnish my consumer report. 

I DID NOT give written instructions to furnish my consumer report with these inquiries.

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 2017-08-17
Company: Navient Solutions, LLC.
State: CA
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:
Navient is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: The Moore Law Group
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against The Moore Law Group, XXXX for committing Identity Theft. I have never given The Moore Law Group, XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until The Moore Law Group, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The Moore Law Group, XXXX continues its collection efforts, I will file for litigation for actual damages caused, and The Moore Law Group, XXXX will be held criminally liable for aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Account # : XXXX Reference # : 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 2023-09-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Routinely holding certified and/or cashiers checks for regular monthly activities, causing havoc to business operations with monthly expenditures been held by WellsFargo for XXXX weeks at a time. No valid reasons provided and dispute resolution process is even slower

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 2022-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.

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 2017-08-17
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2022-09-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent numerous letters to Ally Financial about them reporting 30 late payments to all three credit bureaus. I did a payment extension with Ally financial and the continued to report that I was 30 days late for 30 payments. I have tried to contact them in writing numerous times and on the phone but to no avail. I dont even get a response in the mail. I transferred my loan to another bank due to these issues. the late payments need to be taken off immediately or I will have no choice but to seek legal action against Ally Financial.

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 2022-12-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV Funding LLC is in violation of 15 USC 1692g validation of debt : they violated my consumer rights for failing to follow dispute procedures they reported and alleged debt on my consumer report without sending me written notification allowing me to dispute the alleged debt and for them to validate it. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, LVNV funding LLC willing fully and knowingly reported false and misleading information to my consumer report. They reported the information on my consumer report under fraud to extort money from me and defamed my character without validating the alleged debt. They assumed the debt was valid through hearsay according to the FCRA it says the information reporting must be 100 % accurate how would they know if it was 100 % accurate without doing an investigation, I don't know this company I have never done business with company I don't have a binding contract with both parties ' signature meaning myself and LVNV Funding LLC, with both having equal consideration to obligate me to pay LVNV Funding LLC. They are also in violation of 15 USC 6802 Obligation of with respect to disclosures of personal information. I never gave consent or written authorization for this company to have my personal information according to 15 USC subsection 1028a ( a ) ( 1 ) that is aggravated identity theft LVNV Funding LLC does not have consent or authorization from me to have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: SC
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 have reached out to XXXX, XXXX and Experian. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. XXXX placed a legislative freeze on my account which drop my credit score more than XXXX points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my XXXX Experian and XXXX is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts

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 2018-09-17
Company: USCB, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. 

I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. 

I have attached copies of these debts from my credit report obtained by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Reel Time Capital LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company XXXX XXXX sold my loan to. Reel time Llc. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
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:
My XXXX XXXX account shows a lot collections and charge offs that are incorrect. It says my equifax score says XXXX but my actual equifax score is XXXX via equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Opened : XX/XX/2020 Amount : {$470.00} accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I filed a complaint with Capital One, but they were hesitant about assisting me because the Consumer finance account was in both my husband and I name, but when submitted, it only showed my husband name. When I spoke to a representative from Capital One and advised of the issues that were going on with my account, how Capital One closed my account and continues to charge me, they labeled one of my accounts fraud ( which it is not ), how I have loss income and they are refusing to work with me. I enrolled in a debt management plan and seems that Capital One is not willing to work with consumers that have financial hardships. The debt management plan is XXXX XXXX XXXX. Well, today XX/XX/16, I received a packet from Capital One advising they credited the account of fees, which I think they should have. How does a credit card company close your account and continue to charge you past due fees when you dont pay on time. The purpose of enrolling in a debt management plan is because I have a decrease in my finances. Capital One does not want to work with outside debt management financial institutions because they want to continue to gain the BILLIONS of dollars in interest they gain from consumers who can't afford it. They should not the interest rates are extremely high and they should offer some help. As I waited for someone to contact me back, AGAIN I keep getting past due fees. How is this fair to the consumer? When an account is closed, the account is closed and there should be no more fees added. Capital One continues to purposely add fees to closed accounts which should be against the law and is not fair to the consumers. And by the way, I have gain {$39.00} ( PAST DUE FEES ) ON CLOSED ACCOUNTS, 3x 's while waiting for Capital One to call me. I wonder how many African Americans does Capital One do this to, closing a customer account, continuing to add fees to a closed account, and refusing to work with the customer on debt management. I am beginning to think this issue only affects a certain type of group. I have heard others of my ethnic group advise that they have gone through this same issue with Capital One. Sounds like this is UNFAIR PRACTICES AND TREATMENTS toward a specific ethnic group. I need to speak to someone in the corporate office AGAIN immediately. Accounts are ending XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and innocently lost XXXX USD of my hard-earned life savings. 

I advised TD Bank of this fact on XX/XX/2022. After that, I sent my reminder letter on XXXX XXXX, XXXX. Even more, I went to the local branch and called several times. After 4 months of trying to get any feedback, which I find as rude and disrespectful treatment of the client, I received a negative response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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