BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. 

I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We a claim to USAA after contacting XXXX 's several times about defective flooring that we installed. We requested for our funds to be returned as we have to now buy new flooring as a result of the defective flooring, which USAA did in a provisional credit. In addition to contacting the bank, we also put in a XXXX  complaint on the company which then they responded and stated they will come to a resolution for us. They asked XXXX twice for extensions to make things right, a person came out to our home in XXXX and took pictures of the flooring and stated verbally as well that they can see the scratches, indentation and chipping in the flooring thru out and that was it. The last correspondence we received was on XX/XX/XXXX from XXXX 's stating again that they are trying to come to a resolution. We have been trying to get this resolved since XX/XX/XXXX. USAA then reversed the credit they gave us for the flooring charge on XX/XX/XXXX stating that due to an investigation there was no error made when I called in asking why after seeing our checking account. After speaking with 4 individuals, it was determined that there was in fact no investigation done and that they wanted me to send documentation in in addition to a statement about why the amount was different ( less than ) what we requested the credit for. They stated a letter was sent and I informed them that I did NOT receive a letter asking of any documentation and that in fact, when I first called the claim in, I proactively told them I wanted to send in documentation and gave a very long and detailed report for the claim to submit explaining why the amount was less than initial charged. We returned some boxes of flooring that we were already given a credit for and the remaining is what was used or the boxes that were defective due to being broken or chipped. This was explained in great detail and they can even review the call that was made. So they lied about the " investigation ''. I sent in the documentation and proof for the claim today and requested someone from management in the claims department to give us a call and to reverse the credit as XXXX has done NOTHING to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I consolidated my federal student loans through XXXXNavient, but was never given a choice of the type of consolidation. I found this fact out when, after working almost 10 years as a public servant and making payments on my loan, I started the paperwork for the Public Service Loan Forgiveness and was told I did n't qualify due to my type of consolidation loan. I called Navient to find out why and was told because I did n't choose the right type of loan when I consolidated, but I was never given a choice back when I asked to consolidate the loans. It was all just done for me by the company. Of course this was over 10 years ago, and it was done over the phone. My only option I was given at this point from Navient was to consolidate my loan again to the right type, and basically start over with the 10 years and repayment process. By that time everything would be paid off, so really something I am not looking into. I am really disappointed in the Navient company, and feel like they are only out for profit, not helping the struggling student!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a certified dispute letter on XX/XX/XXXX and XX/XX/2022. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

EXPERIAN, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

Failure to respond in a satisfactory manner within 30 days will result in a small claims action against your company.

I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2020-04-02
Company: EQUIFAX, INC.
State: MD
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:
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 ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i  alson 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
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX 2016 I received a copy of my credit report. Upon review I noticed that Best Buy reported derogatory information to the credit bureau pertaining to an account that I was an authorized user - which is NOT true. I was NEVER to my knowledge an authorized user on this account and did not nor did I ever have a best buy credit card. I immediately contacted Best Buy and spoke to a customer Service representative by calling XXXX. I provided my SSN and was told that this account was held in the name of my mother and I was an authorized user. I requested that IMMEDIATELY my name be removed and the credit profile be updated. I never used this card and should not be held responsible for matters that I am not aware of. I was told that I should put my request in writing and fax to XXXX. I sent the fax as required to include my SSN, mailing address etc. Today I got a letter from XXXX stating that I had to provide the complete card number and a copy of the credit report. Please be advised that I have no idea what the XXXX digit card number therefore I am unable to provide this 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
South west credit system from the phone # XXXX ( XXXX ) XXXX has started calling me and asking my personal information without providing me any information whom they calling to, about what, and who they are. For obvious reasons I have denied provide them any information and advised that they can lookup public records for information they looking for. I have strongly believe that they either a scam or trying to collect a scam as I dont own any debt that Ive know about, not I have received any pas due date bill from anyone. I have advised them that their cold calling calls asking for personal information has a harassment nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I just received the attached letter on XXXX XXXX, from Chase suggesting I look into Short Sale of my home of nearly 27 yrs. I take this letter as a threat to sell my home out from under me!! like the already filed complaint ( CFPB ) referenced the phone call I received from Chase Collections dept in my previous complaint with CFPB whereas the caller told me that they could sell my home out from under me and I would not know anything about it until I got an Eviction notice from the local sheriffs dept. I am extremely concerned that Chase is about to do this to me, I feel extremely emotionally abused and threatened. There is a deadline date of XX/XX/XXXX on this letter attached. I am still awaiting to hear from Senator XXXX XXXX office if XXXX gave up to them the audit that XXXX did on this predator loan in XX/XX/XXXX. I am presently looking into a possible court action against Chase for Blackmail ( Chase previously tried to rope me into a XXXX modification or face possible foreclosure etc ... ), fraud and etc .... on this matter. I believe that Chase is trying to ignore the wrongs they are and have been doing to me causing enormous duress and extensive financial and emotional, strain and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This item WELLS FARGO is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX  Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.

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 2021-08-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CITIBANK, N.A.
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:
Account name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} ccount name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA On record until XX/XX/XXXX I paid off my debt and it is still showing as charged off but it shows that I paid it off. I reached out to Macy 's multiple times and they keep saying they will remove this from my account and nothing has happened.

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 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: FL
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 reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 these charges .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 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 2016-03-14
Company: College Assist
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.

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 2022-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/2022, I used my JP Morgan and Chase business account ( XXXX XXXX ) Debit card at a venue in XXXX to withdraw cash. However, after I entered my PIN code to verify the account, the ATM machine displayed an error message indicating that the card was not valid. 

After multiple attempts on my Business Account Debit Card, I then proceeded to use my Personal Account Debit card and withdrew the funds from a different ATM machine within the same venue. 

The Business Debit card was not used to make any other purchases that night. 
On the morning of XX/XX/XXXX, I received an email from Chase with an alert for a large purchase at XXXX XXXX on my Business Account Debit card which was declined by Chase. 

I logged into my Business account online and saw that there were multiple transactions made on the Business Debit card. When I searched for the Debit Card, the physical debit card was not in my possession. I called Chase immediately and reported the card stolen. The agent also opened 2 claims for the unauthorized purchases made on the Business Debit card at an ATM and a XXXX XXXX. 

I received a letter on XX/XX/2022 informing me that my claims were denied because I authorized the transaction. 

I did not voluntarily provide anyone my Debit Card PIN or Card. However, JP Morgan and Chase insist that their investigation proves that I authorized the transactions because the chip card and PIN were used during the transaction. 

Furthermore, when I requested Chase provide proof the transaction were authorized by me, they denied my request. 

According to Chase 's terms of service, I am supposed to have fraud protection against any transaction unauthorized by me. However, Chase is breaking their terms of service by denying my claim and failing to provide proof the transactions were indeed authorized by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files.

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 2023-01-04
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Thursday the XXXX of XXXX I transferred XXXX into my savings account. Unbeknownst to me because my savings account was at {$0.00}, my money was put on hold. I did not find this out until Sunday the XXXX of XXXX when I tried to transfer my money out of savings. I spent the next two days trying to get the money out of my savings but my bank refused to transfer it into my checking. It was not until XX/XX/XXXX that I was able to finally transfer the money out of my savings account into my checking to cover bills. However it was too late because regions hit me with a {$100.00} overdraft fee. I am XXXX and receive XXXX payments losing that much money and having that big of a negative in my account could potentially cause homelessness.

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 monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: AR
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 ASKED XXXX XXXX XXXX  TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX has reported a current bankruptcy on my credit report. I filed bankruptcy in XXXX of 2003. It was a Chapter XXXX and should have been cleared from our credit history after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation