BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$200.00} in overdraft fees illegally. I have attached copies of the banks check cashing policy where the first {$250.00} of each check is available the same business day as long as it is deposited before XXXX. I deposited this in the time outlined in the policy and am being charged for XXXX completed transactions based on this incorrect use of overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: States Recovery Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I helped my parents move into a rented home and stayed with them a few months to help them settle in. XXXX years later, a check on my credit report revealed that the city reported me as a cosigner on the {$1300.00} electric utility bill debt they accumulated over the XXXX years after I left. Since I had never signed anything, I called up the city to ask why I was being held responsible for their debt. The city officials I spoke to, who refused to provide their names or positions, informed me that upon opening the utility account, the city had asked for the names and SSNs of all occupants at the time. I asked both officials if my parents had been informed that all occupants would be held financially responsible as cosigners. Both officials informed me that it was not policy to do so. This puts me at a loss for relief options as my personal information was provided without my knowledge or consent, yet the party providing it believed themselves to be under obligation to provide it and were not informed of the ramifications. 

Additionally, the debt collection agency has not provided me with any sort of debt validation, and is not willing to provide any consideration of the special circumstances surrounding this debt. The original creditor refuses to remove me as a cosigner unless I can prove I was not a resident at the time the account was opened.

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 2022-10-01
Company: EQUIFAX, INC.
State: TN
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account XXXX : XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my credit report.

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 2017-03-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed my XXXX account ( XXXX ) with Experian, due to the fact that the account has reached its seven years and should be removed from my credit report. Experian claimed they verified the account but did not provide me with a date the account was paid and closed, which is not showing on my credit report. This means they are in violation of the FCRA.

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 2017-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you

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 2017-04-07
Company: VW Credit
State: NE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: NJ
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:
Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : XXXX XXXX Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX WELLS FARGO BANK NA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  Inquiry : 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 2017-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2015-06-11
Company: PLDR
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled in a payday loan debt consolidation program eliminatepaydayloandebt.net XXXX Payday Loan Debt Relief XXXX in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after Payday Loan Debt Relief withdrew {$400.00} each month for XXXX months. I was promised a closure letter and finally received it XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted XXXX and they state they have not received any payment.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-26
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
When I ended my car lease, the car was inspected. It has been determined by Ally that there was excess wear. The charge was for {$180.00} plus {$12.00} sales/use Tax on Maximum Early Excess Mileage and Wear Charge Total of {$190.00}. ( we did not use all of our miles ). First of all, I believe that it is illegal in Indiana to charge sales tax on labor. Secondly, I have disputed the issue of multiple scratches and the bumper cover excess charges. I believe that this is retailitory measure action taken by Ally against the dealer because they have changed financial institutions for their leasing agreements. In addition, I believe that Ally my be attempting to take advantage of unknowlegeable senior citizens. As of XX/XX/2017, I am paying this disputed charge under duress, I do not want them to be able to endanger my credit score, and I hope that this complaint will provide financial reimbusment.

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 2020-08-18
Company: Experian Information Solutions 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:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc

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 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a lien that shows up on XXXX, Transunion that has been paid for. 

All old deby from XXXX is paid as well but shows on transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 would like to file a complaint regarding an account TransUnion is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told TransUnion that I challenge the accuracy and reporting of this item. TransUnion is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps " This is a stall tactic and this is almost two months past the date my letter was mailed and received by TransUnion. TransUnion can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to TransUnion, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached as evidence, my initial letter to TransUnion, the certified mailing receipt, and my CFPB complaint where TransUnion tried to stall saying Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps.

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 2016-07-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a new income-based repayment request along with my XXXX tax information two weeks before my current income-based repayment plan was to expire. Navient claims they did not process my repayment plan in time for my XXXX XXXX due date ; therefore, I was charged {$490.00} more than I had been paying for the past 11 months ; I was also informed that my new income-based payment for the upcoming year was decreasing by {$10.00} per month. As a result of Navient 's inability to process my request in a timely manner, I was charged significantly more than I had and will be paying, and they were unwilling to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current

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