BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
NOTICE OF DISPUTE AND AFFIDAVIT ATTACHED. PLEASE SEE ATTACHMENTS. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XX/XX/1986 EXPERIAN

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 2017-10-13
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans are part of the Income-Driven Repayment plan. I received confirmation that my renewal for this plan was approved on XX/XX/XXXX. I could not get information of what the required payment actually would be until XX/XX/XXXX. There is no reason that information could not be made available sooner to help plan for increased payments. My monthly payment increases by {$230.00} and is due XX/XX/XXXX. That is a 50  % increase to adjust for within one payment cycle. It is very difficult to replan finances in that high amount within 4 weeks and is very frustrating knowing that information could have been made available when Navient knew it months prior but withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi bank allowed me to open a checking account I deposit money in there. The money set for 3 days and I didnt do any activity on my account. I woke up the next morning reading en email Citi bank has sent regarding my account closure. I was told I violate a term and my account being closed. Now Im Being told I have to wait 30-60days for my money when I asked the young lady over the phone was there anything stopping me from having this account stay open she responded back and said no. Now my account is restricted and im out of funds until 30-days im not able to get to work or provide food for me and my child.

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 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all ftc violations

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 2017-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Amazon Chase Visa. They default charge me instead of my own card, I never opened the card, and I ca n't close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Braviant Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 balance credit called my parent and spoke to them regarding my account and how much I owed. Totaling XXXX and then they proceeded to give them a settlement amount of XXXX. I was not aware of any of this or of a settlement amount. They have not spoken with me and this parent is not on the account nor has anything to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ARS in XXXX about a medical bill of {$290.00}. I responded to them within the 30 period asking for Validation of this alleged debt I have no knowledge of and they sent a letter stating they validated it with the original owner but according to the FDCPA they have to validate the debt to me if I requested it within the 30 days of the letter. I sent another letter responding to the second letter and they still failed to comply with my first letter asking for name and address of original owner also a breakdown of procedures they claim I had done and if they legally were assigned or owned the debt and there license to collect in my state. I just received another letter today stating the same thing from the second letter that they validated it with the original owner! Thats not good enough!

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 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to Trans Union with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien on my Transunion credit report maintain under my social security number reported by the XXXX XXXX Recorder 's Office. I have contacted the XXXX XXXX Recorders Office, and I do n't have a Judgement legal item. The recorders office stated to me that they do not provide information to credit reporting agencies, nor do they ever validate a public record due to Privacy Laws. On XXXX/XXXX/16 I received a letter from the Recorder Office advising to contact the credit reporting agency Transunion and indicate on my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 and XXXX/XXXX/16 I sent Transunion a certified letter asking them how did they validate or verified this public record entry with the XXXX XXXX Recorder Office and to please permanently delete this Public Record immediately. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts/ public information you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I also sent them a copy of the letter from the XXXX XXXX Recorders Office telling me to indicate in my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 I received a letter from Transunion indicating the tax lien has been verified on XXXX/XXXX/16 I wrote another letter to Transunion asking to please provide the name, address, and telephone number of each person contacted at the XXXX XXXX Recorder Office and I formally requested a copy of any documents provided by the Recorder 's office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The Transunion letter also stated " You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly '' I have already done my research with the XXXX XXXX Recorder 's Office I have already given Transunion a copy of there 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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 HAVE TRIED TWO TIMES AND NOTHING

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 2020-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having a problem with a debt collection company which I have previously disputed but which has not assisted me nor provided the documentation to sufficiently verify debt to me. The company is Midland Funding and while they mark account meets FCRA requirements they have actually not met the requirement because they have never responded to my inquiries. I am asking this organization to help mediate this matter and provide the oversight that Midland Funding so obviously lacks. 
The account held by them in unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is at least my second complaint filed for the same exact reason. My Social Security is Direct Deposited to my checking account. When I try to make purchases of XXXX cents, {$100.00} or {$500.00} my transactions are cancelled. I get a text message only 50 percent of the time asking for authorization, but when I retry the transaction its still denied. Ive missed out on almost everything I wanted to buy for over a year as though I have insufficient funds or the card isnt mine. Bank of America doesnt let me spend money when I want to because they are protecting me from fraud even if its only XXXX. I just cant explain what its like to watch everyone around you buy nice things and have to sound like you are lying about being able to get bank account to work ( instead of having money ), or be in line in a crowded store having to go though this embarrassment. I should always be able to access my account, especially after sms authorization, anytime of day and anywhere visa can be used.

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 2017-05-23
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 status incorrect

Complaint:
After reviewing my credit report, I noticed a dramatic lowering of my credit score by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my Chapter  XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX . All of these factors caused my score to lower significantly.     According t o 15 USC 1681s-2 ( a ) ( 1 )  ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has diminished any attempt to move forward to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed

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 2020-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATVE PROCESS AS XXXX  AND XXXX HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE. 

SHEETS FROM XXXX  REPORTS FROM XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THE SHEETS SHOWING THE DELETIONS PROCEED EACH OF THE INITIAL PAGE OF EACH DATED 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 2020-03-31
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:
ftc violations

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 2016-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX XXXX XXXX XXXX for {$54000.00} original contract date was XX/XX/XXXX. I had over 730 FICO scores, and USAA informed me their best rate was 4.5 % for 15 years on that boat. When I was approved they gave me 10 %. I received this boat loan through USAA with every intention of refinancing as soon as I could. I refinanced through XXXX XXXX XXXX XXXX at 4.6 % the first week in XX/XX/XXXX. In XXXX I requested a payoff as well as an itemization of my account. I then requested the same in XXXX when I knew the loan was paid in the first week of XX/XX/XXXX. I called again in XXXX requesting the payoff. I was getting very upset. The payoff amount was higher than the original amount that I purchased and the original loan amount I received from USAA. Finally, in XXXX I went to the escalation department and someone finally sent me an itemization. It only showed the amounts and dates of the payments, there was no principle and interest deductions and itemization on the document. I paid XXXX in payments on a 10 % rate and I owed on payoff {$54000.00} that is {$250.00} more than I purchased this boat for! This has happened to me before with USAA on a car loan. I ended paying it off in three phases. I put {$10.00}, XXXX on Principal and USAA used those funds for interest rather than the intended principal payments, 6 months later I put {$3500.00} and then {$1500.00} down. I requested an itemization for a {$16000.00} loan on a used XXXX XXXX XXXX   and I never received it. Once again they told me their best rate was in the 4 % range and 6 years, I had a 16.6 % rate and I paid on this vehicle in 18 months. if I did not pay this amount toward principle I would never know what I actually paid for that car because I was never given an itemization from USAA on my payments. At 10 % 15 years {$54000.00} my payments should have been {$580.00}. USAA calculated this loan payment at {$580.00}. The number of months I paid I should have paid Month Principal Interest Total Paid Balance XX/XX/XXXX {$130.00} {$450.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} Instead, I owed more than I purchased for this boat. They have robbed me financially and broke laws. They have refused to give me an itemization showing principal and interest payments. Instead, they gave me just my payments and told me that is all they could give me! They now have robbed me twice on two loans and this is illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported discrepancies with the credit bureau Equifax over four times, for over an year. Equifax continues to report the information has been verified. One account in particular that I have been asking to be removed is an account listed as XXXX XXXX XXXX. I have reported this account in at least four disputes. Equifax sent the following Dispute Confirmation Numbers, on the following dates : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. 
Equifax continues to tell me this account is verified. I asked for " Method of Verification '', Equifax will not respond or provide documentation. I called the Creditors, XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that they had no documentation on me of the account that is listed on my credit report, due to it being transferred to a collection. If XXXX XXXX XXXX  can not verify their account to me, the person they claim was the account holder, how does Equifax continue to verify the account and allow it to remain on my credit report. 

I have also been disputing the account " XXXX XXXX ''. Equifax continues to state this account is verified as well. I got in contact with the company " XXXX XXXX '' company as well. " XXXX XXXX '' provided a letter that they could not provide with documentation or proof of this account, but sent a payment history. A payment history is not proof of an account or a contract. If XXXX XXXX can not provide documentation, again, to the person they are claiming owns an account, how is Equifax verifying this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: LA
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:
Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft Affidavit Please delete the items as soon as possible.

Company response to consumer: Closed with explanation