BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX Report Number : XXXX I filed a dispute with XXXX about a U verse account {$1800.00} that was not opened by me, nor did i give anyone permission to use my information for opening an account in my name. I called XXXX to make them aware of the account thats now reporting on my credit report. And was told to contact the collection agency that has the account. I called the number listed on my credit file for the company and the number was disconnected. I sent experian a letter asking them to verify the account, and ask them to send me a copy of the information or contract that this account belongs to me, and was denied that information. I also, sent them information about the 14 USC 1681e ( b ) ; 1681i- ( 2 ) ; 1681i- ( 7 ) ; and 1681i- ( 6 ). and the results came back within 24 hours as verified. Please have this account removed immediately, as im in the process of purchasing a Home.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
My account was closed on some unforseen circumstances. I received a check for doing a job and they sent me a check in the amount between $ XXXX {$4000.00} my account was suddenly closed after the check was deposited into my account. I never received any explanation as why my account was closed which really concerns me. Nothing more informative as to why it was closed.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: MOHELA
State: NV
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:
MOHELA will not correct my payment count on PSLF loan forgiveness. I tried to download information but the document was too large so I am sending it to you in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, I am very concerned with with the financial institution, Navy Federal Credit Union. There have been several instances such as the one I will describe below but with different amount in regards to different companies I have used. For one example, on XX/XX/XXXX I authorized a payment for {$120.00} at the XXXX XXXX XXXX I was at the front desk when the transaction took place, I was also on my banking app and as I made the payment I watched the amount of money come out of my bank account. I check my app every day and for several days everything looked correct, no money was added and nothing was taken away as I was not using that account during the time frame. I check my account on XX/XX/XXXX and I am negative {$120.00}. I call my institution and ask them why I am in the negatives if my money was taken out at the time of transaction. I was told that when the vendor takes more than 3 days to process, the money goes back on to my card and they still have authorization to take it for up to 60 days. No problem, except the money was never put back on my card. I was charged twice. Again, there have been several situations like the one above with different transaction amounts with different vendors. It is a continuing situation Navy Federal refuses to fix or admit that the original payment never goes back on the account and that I some how end up paying twice for a lot of things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
When my NFCU master credit card renewed, I updated on XXXX. It's been nothing but he'll. In the beginning the card wouldn't work anywhere. No it's just XXXX. XXXX sees all the deleting and reentering card in. XXXXXXXX XXXX XXXX says going through correctly. 
Call NFCU and they demand worse than mules stuck in mudd that the transaction is coming through with wrong expiration date. It took until this week to get supervisor who finally called me today. I'd asked before for someone above any escalation desk and refused. I talked to supervisor today and after pushing, demanding she begrudgingly agreed to get an analyst involved. She refused anyone above her, which is malarkey. She doesn't know what she doesn't know and truly didn't understand the glitch I was suggesting. She just kept repeating her screen. The bank should be far more proactive and not keep giving me the run around. XXXX has notes in system stating credit services sees transaction going through properly. Perhaps the bank could get tech support involved. An analyst won't help. I noted this. 
Basically the bank refuses to budge or truly help. The amount of calls and wasted hours is astonishing and I want compensation for my time as my time is valuable too, not to mention the embarrassment at 2 grocery stores when card didn't work to no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I went to regions bank on XXXX XXXX XXXX XXXXXXXX XXXX. I used atm to withdraw XXXX which the machine did not have that amount so I went to another ATM in the same location and when trying to get the XXXX It said Insufficient funds. I went back to the first machine to make sure money had T been dispensed and it had a error symbol. I used a EBT card where I get cash through the government and they have been unable to assist as well as the actual bank. The bank or someone has a extra XXXX that is mine

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 2023-02-17
Company: EQUIFAX, INC.
State: FL
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NV
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:
PLEASE REMOVE ALL INQUIRIES STATED IN THE FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TODAYS DATE:XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-02-20
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a complaint filed against me by a debt buyer named Velocity Investments LLC in the district court of XXXX XXXX Washington State under case no XXXX. This complaint was filed against me without any prior written notice of the stated alleged debt or default. According to the FDCPA, I am entitled to a written notice of any alleged debt or default I might owe and that i am entitled to demand verification of such debt. In addition, my name has been smeared in the public eye for being accused of allegedly owing a debt i completely deny, causing much embarrassment and indignation. I request that cfpb investigate Velocity Investments , LLC to see if in fact they have fallowed consumer protection laws and if they truly are who they say they are as stated in the complaint they filed against me. 

Sincerely, 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 2023-02-06
Company: EQUIFAX, INC.
State: VA
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 a victim of identity theft there are fraud accounts and inquiries that are on my report I have reached out to Equifax and they are not helping I need help to clear these matters up please remove these items i reached out to Equifax several times informing them of these fraud items as well that XXXX does not work i paid Equifax for over a year to have a account that do not work each time I called in I was passed around and hung up on please help to remove these fraudulent items XXXX  XXXX Inquiry : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: CA
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 received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: LEXISNEXIS
State: TN
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 been battling this bankruptcy account for awhile now. XXXX and XXXX already removed this bankruptcy from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, my Citi Credit card had charged me today for a charged of {$680.00}. I didn't authorize anyone to used my credit card at XXXX XXXX Plus the charged today was more than what was the disputed amount which was supposed to be {$430.00} as you'll be able to see in the attached copies. The {$430.00}, was also charged back in XXXX bill which I paid the total balance. 
After going through my statements charges, sometime inXX/XX/XXXXI saw the charged in my citibank statement for {$680.00} I had already paid. When I called the fraud department they told me that the charged was {$680.00} but the store XXXX XXXX had giving me a refund for {$250.00}, which the disputed amount was {$430.00}. I went to the XXXX XXXX and the manager gave me all the receipts of the transaction which I have attached. The manager of XXXX XXXX said that once the person returns the machinery the deposit of {$250.00} is refund it to my credit card. The Manager said that the guy returned the machinery and did not used it and that's were the store issue a store credit for {$430.00}. I told the manager that I didn't authorize that transaction. Plus, returning the machine proves he didn't do any job so how is it that I got charged for something i didn't authorize? And how is it, that he was able to rent by just giving a credit card number that didn't belong to him. The card has been in my possession so that means he used my unauthorized number. The store aloud it. It makes me think they are used to doing this perhaps. The manager said that the guy used the store credits for different tools on different days. If you look at the receipts attached, the guy used the store credit for a XXXX XXXX sounds like a shampoo carpet and other tools. After XXXX XXXX gave me those receipts I called citibank and the supervisor told me not to worried because citibank had issued a credit and the case was closed. Today when I looked @ my statement I see a charged for {$680.00} that citibank had reversed. I had paid for the whole balanced today so I don't get fees charged. I called today and I talk to Supervisor XXXX ( XXXX XXXX, from Citibank dispute. XXXX said not to worried that he will appeal the case. I said to him that not only they charged me an authorized charged but also they charged me more than it was supposed too. I take care of my XXXX XXXX XXXX mother who's very ill and all this situation it's giving me more stress and I'm also ill and don't need more problems. If this is not resolve I will cancel this headache card. Citibank didn't even asked the store for the receipts or how did the guy used my credit card number? I believe this charged was not investigated thoroughly.

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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This bank was supposed to cancel out the debt not make it a collection account. My father has been deceased since XX/XX/2020 and the XXXX was turned in. This is criminal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-27
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections notification from Transworld Inc saying that I owed {$8700.00} from my previous landlord. I moved out and did not owe that egregious amount. They never verified the amount that the landlord said I owed and just posted it in my credit report.

Company response to consumer: Closed with explanation