BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, XXXX and TransUnion credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, XXXX and TransUnion are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

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 non-monetary relief
Consumer complaint received 2021-11-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is committing fraud through debt collection act, by reporting inaccurate information. I have no contract with this company. I sent a letter to the company to cease and desist in XXXX, and the information still shows negativity on my credit report as showing late payments. The amount reported on my credit report is 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 2017-09-29
Company: Experian Information Solutions Inc.
State: GA
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 received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}

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 non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, Equifax and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, Equifax and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXXThis is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of Truth and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that Im a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated Im the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( 3 ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 5 ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In order to close on our home purchase, went into local bank to send a wire transfer. After waiting and worrying we find out that the bank sent the wire without an account number. Told us what we needed to do, and we sent another wire successfully. We still have not received our money back from the initial wire, and the bank and employees arent offering any solution to tell me where my missing $ XXXX are. Can not get an update other than we arent sure

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY, XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The phrase Bureau refers to the Consumer Financial Protection Bureau. Credit bureaus are considered to be XXXX, transunion, and XXXX. there is only XXXX bureau, the bureau of Consumer Protection. Congress passed HJR-192 on XXXX XXXX, 1933, to suspend the gold standard and to repeal the gold clause. " Because the holding or trading in gold fixed the public interest in the subject to adequate laws and prohibitions, '' the resolution stated. Where's existing emergency have disclosed that provisions of applications with the purpose purpose of giving obligee a right to demand payment in gold or a particular kind of coin or currency, or in an amount money policy ; and ... .every obligation herefore and hereafter incurred, shall be discharged support payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) '' the term investigative " consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or way of life is obtained through personal interviews with neighbors, friends, or associates of the consumer report in on or who may have knowledge of any knowledge of any such items of 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a certified letter off on XX/XX/2022 tracking number XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that iI don't want on my credit report, According to the fair credit reporting act 12 USC 1681 I have the right to privacy and also according to 15 USC 6802 No financial Institution is not suppose to share my information to third parties These are clear Violations of my Federally Protected consumer rights

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 2020-06-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to set up XXXX ( investing app ) but the app says PNC wont allow it to work and to contact you. I tried to set this up last night ok the XX/XX/20 at XXXX XXXX but nothing worked. I tried this morning thinking it was down for maintenance or something. Again it did not work. Today is the XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments made.

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 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Thursday XX/XX/XXXX tried to deposit cash in Capital One ATM at XXXX  XXXX  on XXXX XXXX in XXXX XXXX the ATM took my cash but did not credit my account or give me a receipt. 

Called Capital One told me I would get an immediate credit within 2 to 3 days. 

Called back Monday XX/XX/XXXX told me the investigation would be 10 days and no immediate credit. 

We're working on the claim you filed for your account ending in XXXX on XX/XX/2020 for {$480.00}. Your claim number is XXXX and we'll be in touch when our review is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was originally with XXXX XXXX XXXX. They sold to XXXX XXXX who in turn sold to Fay Service in XX/XX/2018. This year I was notified by Fay Servicing that my escrow account was short and I would be getting charged approximately {$150.00} more a month. I was also told I would be getting additional charges for lapse in coverage for insurance that was lender placed. 
According to Fay servicing, I had lapse in coverage in XX/XX/2018 to XX/XX/2018. At this time my loan was serviced by XXXX. They also told me my escrow account was transferred with negative balance. I have requested information from XXXX XXXX and they have advised that I need to speak to current servicer since my account is closed. I spoke with my account manager who was going to look into the issue and then when I called again to follow up I was advised that she no longer handled my account and I had new account manager. I have made numerous attempts, via phone and email to get full accounting of my escrow account. To date, only info I have is projected and what they claim was transferred. I also requested explanation how they can charge me for insurance lapse in coverage when loan was serviced with another company. I also paid previous servicer for lender placed insurance. There should be some refund if I insurance was not paid. This year I was billed for lender placed insurance but have my own insurance placed and still waiting for accounting of that insurance cancelled and new insurance billed. My online account does not give me full statement. My payment went from {$640.00} in XXXX to {$790.00} in XXXX. I am getting no answers from either XXXX financing or Fay Servicing. 
Original email sent on XXXX to Fay Servicing. Follow up on XXXX, XXXX, XXXX. Email sent to XXXX for help on XXXX. All emails also followed up with phone Calls. I did speak with XXXX XXXX at Fay Servicing and she never got back to me other than mailing me projected escrow. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: OH
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 sent a certified letter off on XX/XX/2022 tracking number XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that iI don't want on my credit report, According to the fair credit reporting act 12 USC 1681 I have the right to privacy and also according to 15 USC 6802 No financial Institution is not suppose to share my information to third parties These are clear Violations of my Federally Protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called Citibank XX/XX/XXXX when they said my account was being closed. They said they would mail me a check with my remaining funds ( {$860.00} ) in 30 to 60 days I called everyday for XXXX  days after that. I called a week later and then al through XXXX. XX/XX/XXXX was 60 days. I called and they are still telling me 30 to 60 days and will not mail me my remaining funds. They also will not let me transfer it to another 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 2017-09-29
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have yet to receive notification from this company of any validation that I owe a debt. I spoke wth several agents over the phone advising me that they didnt not have an address on file for me, but yet still placed something on my credit report and not giving me any chance to validate or verify who or what. I plan to take this to the BBB and hire a lawyer.

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 2022-10-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. 

I would appreciate it much if you remove the items I will be listing below

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Hello. They told me my loans were in forbarance which the lady that told me that didnt really put my loans in forbarance so they went into default without me knowing. They started taking my taxes making it hard to prove a hardship that my family and I were going through. I finally started habilitating my loans and finished the XXXX program. They told me I did n't complete it on time so they kicked me out the program and had to start over, that 's when they continued to take my income taxes, which I feel was n't right because I finished the rehabilitation program. 



Thank you XXXX

Company response to consumer: Closed with explanation