BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Navient Solutions, LLC.
State: CT
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 repeatedLy questioned why I am being reported by navient for XXXX $ due for greater than 90 days passed due, these accounts have dropped my credit score by more than 200 points. I am unable to currently purchase a house for my growing family. I have attempted to work with them repeatedly, they will not combine or do anything for the fact I have 12 accounts with them, they will not do anything except repeat over and over again that I must pay the amount due, but the amount due is XXXX $ on multiple accounts and the other accounts arent due yet. Their billing processes and situation is ridiculous. It took me threatening a serious law suit last time for them to clear this up, and now 1 year later they are back to the same old games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is my responce to ally financial, this is my last warning to your corporation and final draw. 

The contract you sent me has signatures on it that my original copy does not have, this is constructive fraud, The law in this regard is relatively straightforward. A trust is not a legal entity and therefore lacks legal capacity. The trustee must undertake all legal formalities pertaining to the trust arrangement. 
CONSTRUCTIVE FRAUD Under contract law, a defendant can be liable to a plaintiff for constructive fraud if there was : ( 1 ) a false misrepresentation ; ( 2 ) in reference to a material fact ; ( 3 ) for the purpose of inducing the other party to rely on such representation ; 4 ) on which the other party did justifiably rely ; ( 5 ) which resulted in damages or injury; and ( 6 ) a fiduciary relationship between the parties. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( XX/XX/XXXX). 

Bad intent or dishonesty is not a requirement to satisfy constructive fraud. 

The elements for actual and constructive fraud are the same with two exceptions : constructive fraud drops the element of scienter -- knowledge on the part of the injurer of the representations falsity -- and adds the element of a fiduciary relationship. 

There's no lawful money to pay and debt which means constructive fraud is being performed in everyone that accepts credit cards and federal reserve notes which are " debt vehicles '' This debt is a obligation of the United States 18 usc 8 Banks do not loan money and its ur duty to borrow 12 usc 1431 Ally financial shall provide a bank statement from there personal account proving they loaned me money, since they are saying I owe them. 
You took XXXX down payment violation of 15 usc1605, you also violated cease and desist as your still sending me threats for repo when you never had possession of my property to begin with, that will be theft if you touch my personal property. As far as the repo man you shall warn him if he come and takes my property he will be breaking the cease and desist order and will be just as guilty in fraudulent activities, Also your 30 days has expired as my affidavit of truth unrebutted stands as truth in commerce and there is no statue of limitations on fraud you should have responded to my facts line by line in another affidavit but you failed to respond to it, and should have been no problem if everything you are saying is true Once again this is your opportunity to cure if not I will go further and you will not win this im a living man, original creditor, natural person. 

And have all evidence on fraud and my consumer rights that have been violated,

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 2017-02-22
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I've been calling for two weeks to dispute a charge. It was a scam and they have my card number. As soon as I'm the next person to speak with they hang up on me. Every single time. I'm still trying to call and no help. The charge was on XX/XX/XXXX but taken out the following day. What can I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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: Account status incorrect

Complaint:
This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}

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 2017-09-20
Company: South East Collection Specialist
State: NY
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 dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/XXXX I ordered something on XXXX that was XXXX and I cancelled the same day because I didnt want the item anymore so I called for my refund and they said te refund had already been sent to my account but it wasnt there. So I went to my bank Wells Fargo and they said there wasnt anything there that was. XXXX by when I ordered I checked my account online and it said purchase made and then it said refunded but my money didnt return and then there was another purchase on my account that said atm used when I havent used my card at all after XX/XX/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 2020-06-09
Company: Experian Information Solutions Inc.
State: OH
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 an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

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 2020-04-19
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX, XXXX, CoreLogic, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I realized almost immediately ( due to habit to check my accounts ) that two fraudulent transactions were processed from my checking account using a bank tool called XXXX to an individual with the name " XXXX '', they were two transactions {$500.00} and {$2500.00} totals {$3000.00}. I did transfer {$100.00} to XXXX ( real ) days before, but this " XXXX '' has a different phone number and he doesn't have account with the bank were the money was deposited through the fraud transactions. Moreover, I was on the phone with Bank of America representative filing my claim, I was also communicating with XXXX ( cellphone service provider ) through a online chat because the hacker after he made the fraud transactions he damaged the SIM card and was unable to access my cellphone. Later the XXXX representative recommended me to go to the store and found out what was happened. In the store representative confirmed that I don't have service due to the SIM card was damaged and I bought a new SIM to be able to have service. Lastly, anytime that XXXX transfer is made is generated an email with transaction detail ; I had not received any email from Bank of America for the subject two fraud transactions. On Monday XX/XX/XXXX I received a letter from Bank of America stated the denial of my claim. I feel that their analysis was superficial and without considering all the facts.The amount is not insignificant, I really need to be credited in order to pay my mortgage and bills. I have colleagues and friends that have the same issue before and the bank credit their claims based on the facts. I did not need to transfer that amount to anybody and I can provide XXXX info to probe. This is a federal crime so I am willing to speak with FBI - Financial Crime Division.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: National Credit Systems,Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It has been many months, can't remember exactly which date, I found out my credit was damaged in this spring, and realized there was {$810.00} non-payment rent ( it is the fee the landlord trying to charge for the cleaning, I had non-refundable deposit with them, so when I move out I didn't give the previous landlord my new address ). 

then, I asked my attorney friend to call the debt collector company in 3-way call, we told the debt collector that we didn't even see any bill or notice, and the debt collector told my attorney that they called me one time ( I can't remember or I might took it as scam ), my attorney told them that they have to send me a " 30 days notice letter '', they said they just give a call was how they do all the time. My attorney asked them to remove this and send me the '' 30 days notice '' letter, they refused, they requested me to pay first otherwise won't remove my record. 

then, I tried to dispute this with 3 Credit Bureaus many times, again and again, told them what happened, asked them to remove, but didn't work out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX collection XXXX XXXX, 2015 {$220.00} disputed over the phone and mailed in information

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 2020-06-09
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/2020 @ XXXX my wife went to purchase an XXXX XXXXXXXX from a seller on offer up for {$300.00}. The seller told my wife she can pay through cash app and our order will be at our home within 1-3 days. We said ok! and asked for the tracking number. I say about 10 minutes went by and we noticed we have not received a tracking number.. so i requested my money back twice but the seller declined then deleted their account on offer up and blocked us on cash app.. we reached out to both cash app, offer up, and even our bank. Everyone said there's nothing they can do so our bank told us to contact your company to help resolve and hopefully recover our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, I have been in good standing with my AAdvatage Citi Bank Master Card for years. My bills are always paid in a timely manner and I have revolving credit available. My card that expires XX/XX/2022 but has stoped working out of the blue. I called the Citi card customer service and they said first that called to request a new card, which is false. Then they changed their answer saying the bank decided to give me a different card number but did not explain why that is the case. They said twice they mailed me a new card. No card has been received in the mail. The United State Postal Service scans all my envelopes and emails me the scan before they reach my mailbox. A scan was never received of mail form Citi bank since my card has stopped working. Now Citi Bank card customer service is telling me my line of credit has been closed. I did not authorize this account closure. The reason they gave for closing the account is that the credit card was sent bank to them by the post office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: MA
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:
Please be advised that XXXX XXXXXXXX XXXX took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, XXXX XXXXXXXX XXXX reported me again to Equifax in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
I have been working for a XXXX XXXX since XX/XX/2009. I have been submitting information to XXXX XXXX, XXXX, and then to the XXXX  XXXX servicing ever since. I am not being credited with payments being made from roughly XXXX due to XXXX constantly putting me into deferment and forbearance status. Had they helped me learn my options especially since I already worked for a non-profit organization, I would have my loans forgiven now. My payments have always been {$0.00}. Those times that I could have been on the income based repayment plan would have benefited me and instead, I am not getting credited for those payments as they should have been. XXXX XXXX and XXXX knew what they were doing and this has been going on for so long. This is making my life difficult to say the least. I have contacted them several times about various things and they were quick to put me into deferment instead of giving me my options. This is ridiculous. They only did it that way to keep making money off of interest. I want those payments to count. I want total loan forgiveness since I have devoted my time to a job that barely pays over minimum wage in hopes that the loan providers and the government would fulfill their end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: OH
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:
This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX

Company response to consumer: Closed with explanation