BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion has allowed yet again, a company to reattach the same debt that was previously removed by relisting it as an open account then immediately sending it too " new collections '' after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
So to begin, two years ago I enrolled my loans into an income based repayment scheme. Things in my life have n't gone exactly as planned and my ability to pay is impacted by what I can afford making XXXX more than minimum wage with life expenses. 

Last year I had a secondary part-time job that pushed my income up by 100-200 a  week that I was using to repay other debt. This job however, pushed my income above the federal poverty line for Massachusetts ( which is n't really hard to do with a $ XXXX minimum wage ). 

I 'm a bit old fashioned when it comes to important things, and thus with my student loan servicers I ensure that I get paper copies of correspondence in the mail. This includes when I need to renew my XXXX This year however, Navient mailed me my XXXX paperwork one day before it was due, so I was 4 days late on renewing my XXXX  plan. 

This is the start of my troubles. on XX/XX/XXXX the Dept. of Ed. confirmed that my XXXX was sent over to navient and that I should receive correspondence from them confirming this. I did not. Watching my account, ( which I had not been able to make a payment on due to owing the IRS money in taxes due to some debt settlements pushing up my income artificially ) I noticed that like before, I did not owe a payment, and was current. 

Then on XX/XX/XXXX I received an email from Navient confirming that my auto-payment was confirmed for XX/XX/XXXX. I have NEVER used auto-payment for anything other than my car ( As that is my one life necessity ), and I KNOW I did not authorize them to make an autopayment. Upon seeing this email I immediately revoked their right to know my checking account information, which according to my account revoked the pending autopayment. Checking my bank account on the XX/XX/XXXX however, they still drafted an autopayment and bounced my account. 

Now, they have taken a payment for {$24.00} ( without my permission ) and my bank account is negative. I do not see their reasoning for why my payment schedule is what it is ( unlike last year ) and a rep is unable to provide me details as where the payment they took went. It is not reflected in my online account register and I have no tangible explanation as to where that money went, and no way to receive the {$30.00} fee from my bank back. They were too busy threatening me to pay my account ( which under normal circumstances I would ... ) instead of explaining the changes to my account. 

In summary 1. They enrolled my account into an autodrafting system without my express permission 2. They took money from my account via said autodrafting system when I revoked their permission to use that account 3. They can not provide me with details as to where the money they took went in a ledger form that I can understand. 
4. Their customer service is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.

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 2022-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Congress has set aside billions of taxpayers dollars in funding for programs that could put borrowers like us in jeopardy of losing our home through a public auction. Thus far, it could never easily be more grossly to consumed than how our disputes have been handled via Consumer Financial Protection Bureau ( CFPB ) - the same portal where we acquired knowledge about the forbearance. Likewise following a letter we received from XXXX XXXX  ( who owns the mortgage loan ) which instructed us to proceed through the process we submitted a written request with a temporary COVIDrelated financial hardship declaration also attached alongside. As we learned that this should be a simple process ( by just asking for it ). In fact, Senator XXXX had expressed her deep concern about Wells Fargo Home Mortgage provided extension to a group of their customers a non-COVID related forbearance without them asking for it As of this day, the National Emergency was extended by President Biden and we have received no forbearance! Despite our continuous effort to seek help from the loan servicer in many occasions although we are being told that they would look into every possible option to help us keep our home, we instead received disinformation about the Truth in Lending which continue drawing us closer to the end of our mortgage which leaving us a few choices whether to lose our home or accept the blatant option which we know it will give us more damage. As HUD provided the information on forbearance that deem to be appropriate as we seek and is current, we have gathered everything we need including looking into charges on the account and other conducts to proceed further in keeping our home. we are hereby to provide our effort

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-03-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-04-18
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
My Name is XXXX XXXX my husband and I both use this same CFPB account when needing to report something I hope that is ok, anyhow I looked at my credit wise tracker on Capitol One website this morning and I found a XXXX XXXX by capitol one card opened in my name I have never had a XXXX XXXX Card, I tried to see if my e-mail or info was registered on the XXXX XXXX website and it is not, I tried to ask customer service to locate and cancel this account and they refused as I can not verify info they request because I never opened a card with them, im not showing in the credit tracker any charges associated with the account so it appears that no one is using it, but I want the account closed, if this card is linked to any XXXX state address it may be fraud, a relative, opening the card in my name, I live in XXXX and have never had a XXXX   state address for any financial account, I moved at age XXXX before I had any credit, ive been in XXXX at the same address most of this last 15 years, I can provide any details you need to locate me I think they should be able to find account with my name and social and close this please, maybe capitol one just opned an account without consent from me, I have no idea I just know I never had a card withthis store they don't have my email on file and they refuse to help me resolve this issue I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: STERLING JEWELERS, INC.
State: CA
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed STERLING : Inquiry Date XX/XX/2018 XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an alert a few months ago on my credit that the credit card was settled when I never agreed to have it settled. And I called back and they reopened the account. It took months for XXXXXXXX XXXX XXXX to remove the settled card on my credit report and just report the open one. 
I have just received a 1099C for 2021 on the credit card. I paid the credit card in full in XXXX of 2021. There is no further balances on the account. Yet I am being given a 1099C saying they discharged debt that I have paid in full and that they incorrectly marked as settled. They have transferred me around and around. And told me they cant do anything for me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Via certified mail, I submitted a request disputed request for verification of items being reported on my credit report. The letter was notarized and included copies of my driver 's license and passport photo as additional proof of identity. The request for verification under the FCRA was sent to Transunion, XXXX, and XXXX on XX/XX/2022. Based on tracking from the US Postal Service, all three agencies received the request by XX/XX/2022. Upon reviewing my credit file, none of the agencies honored my request to seek verification. The request cited the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I asked that they verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. And that the verifiable proof ( an original Consumer Contract with my Signature on it. Lastly, I stated that if they failed to verify the accounts, they must be removed, and they needed to provide me a copy of the verifiable proof. 
Upon contacting Transunion on XX/XX/2022, I was informed that the requested disputed and investigation were not started based on my written request because it was determined to be from a third party. That is despite the fact I had provided proof of identity and a notarized and certified letter. In that phone call and several others over multiple days, I spent over 8 hours discussing the matter with various Transunion personnel, who all stated that my letter had been received, but the verification department deemed the letter to be from a third party. 
There is no prohibition I could find stating a dispute could not be submitted by a third party on my behalf. Moreover, this particular request to investigate was written by me, notarized, and sent by certified mail. In my conversations with Transunion, it is clear they failed to honor my request and comply with the FCRA based on the pretext that my notarized and certified written request was not from me.

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 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My payment is a month behind and I am trying to get caught up. As soon as the next payment becomes due ( the second of the month ) and not paid they start calling three to four times a day daily Monday through Sunday ( they call once or twice on Sundays ) until a payment is made. When I pick up to try to make arrangements to pay its an automated call and my choices are to pay now OR to pay now. Sometimes they let me choose a date three days in the future and I don't get an option to speak with a representative.

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 2022-03-04
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. 
Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. XXXX XXXX. account was opened on XX/XX/XXXX. 

I talked to them on XX/XX/XXXX to find when AA miles will be credited to my airline 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