BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I heard about the CFPB 's lawsuit against TransUnion & XXXX re : misleading consumers into signing up for their credit monitoring service and wanted to add my complaint. I do n't need a refund, as I do n't believe I was charged more than {$1.00}, but I wanted to share my story. Last year I inadvertently signed up for TransUnion 's credit monitoring service, thinking I was only requesting my free annual credit report. It was not made clear that I was signing up for a subscription service that would cost a monthly fee. The site did say that I would be charged {$1.00}, which I thought strange since I thought consumers were entitled to a free report every year. But, since I was n't sure, I went ahead and authorized the {$1.00} payment, thinking it was for my credit report. Turns out it was their promo fee for the monthly subscription. It took a while for me to figure this out, but once I realized the mistake I was able to cancel my subscription before they began charging me. Thankfully, I only lost {$1.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: MI
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 want to start by saying thank you for looking at the items I sent in for investigation to XXXX, XXXX, Experian and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX -XXXX  Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed XXXX difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing XXXX different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are XXXX different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX, and XXXX, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

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 2015-07-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has failed to correct IRS reporting of an amount of {$5100.00} for tax year XXXX, 1099 form is attached here showing reported amount to IRS. This amount represents a payment from Wells Fargo Remediation Program sent to prior address after I moved, intercepted by another party, fraudulently cashed. Wells Fargo reps replied to numerous prior CFPB complaints in re by referring to check as cashed, which was fraudulently, an affidavit filled out and investigated .... The cashing bank, XXXX, shows no funds in their account to send to Wells Fargo to cover item, claim rejected.. Wells Fargo refuses to reissue check, provide reasonable settlement offer, or correct IRS reporting information. I was referred to a tax professional in re, in which case, the professional advised Wells Fargo needs to correct IRS reporting information or I will be liable for tax penalties.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: IL
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 has failed to remove the following account from my credit report after XXXX  and XXXX  has deleted the following accounts. Experian still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX # XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference 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 explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: MD
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:
ON XXXX XXXX 2016 I WAS CONTACTED BY NAVIENT VIA EMAIL TO HAVE MY LOAN PUT IN FORBEARANCE. I RESPONDED TO THIS EMAIL WITH A YES AS INSTRUCTED. I RECEIVED AN EMAIL ON THE XXXX OF XXXX 2016 STATING MY LOAN AND ALL OTHER LOANS HANDLED BY NAVIENT WOULD BE PLACED IN FORBEARANCE UNTIL XXXX 2016. ON XXXX XXXX 2016 XXXX OF MY XXXX LOANS WERE SENT TO DEPT OF EDU IN DEFAULT AND ON XXXX XXXX 2016 AN ADDITIONAL XXXX LOANS WERE SENT AS WELL. THIS PUT ME IN TAX OFFSET AND MY ENTIRE TAX RETURN WAS TAKEN TO REPAY A LOAN THAT I WAS NOT IN DEFAULT WITH AT THIS TIME. I HAVE DOCUMENTATION TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am writing regarding the case CFPB and XXXX with Honda to Address Discriminatory Auto Loan Pricing. According to settlement Honda took advantages of people. As it turns out as a XXXX, and reviewing my loan, terms, as well as interest, I believe I did not received a fair shot or assessment. I purchased XXXX vehicles from Honda. XXXX in XX/XX/XXXX, and a second in XX/XX/XXXX. As I thought that I received a fair deal, even with a great credit score, the loan payments and interest were very high. It saddens me to see this, as in my family we have own Honda since XX/XX/XXXX. However, in comparing the market and average interest rates as well as payment from fellow Honda customers, I believe my wife and I were either discriminated or taken advantage of. This is very unfair, and I am seeking assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.

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 2016-03-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS and the foreclosure trustee is illegally foreclosing on the my property and I have an approved short sale file that SLS granted and now they have a sale date for XXXX XXXX, 2016. 
Re : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You as a trustee have committed a violation under HBOR along with SLS Mortgage under the " dual tracking '' law considering the APPROVED Short Sale that is currently active and in process. A separate complaint was file with the State Bar of California against the attorney office for conspiring to conduct this illegally foreclosure sale.

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 2020-04-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
CitiBank is the bank I have a complaint about, I currently have a credit card with Citi Bank and then I was offered an online checking acct so I decided to sign up for the checking acct back in XX/XX/2019. 

So just this month ( XXXX ) suddenly I receive a notice that I have a overdraft fee of {$34.00} that was caused by a monthly fee of {$30.00}. So I immediately try to contact the bank to discuss and tell them I was never advised of such a fee nor charged a monthly and its impossible to get thru online on phone and due to current events in person. 

I believe this is profiteering I will not a monthly fee of XXXX that i was not told of or charged this is a scam. 

Please help 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 monetary relief
Consumer complaint received 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I submitted a mobile deposit to my Truist personal banking account in the amount of {$1400.00}. XX/XX/XXXX I received an email noting that is was placed on hold. It did not contain any info on how long the hold was for or why it was held. I called the customer support line XX/XX/XXXX and they could not provide any info. I called again on XX/XX/XXXX and spoke to a supervisor. The check was being held due to doubtful collectability but she could not tell me what was the reason for that belief. I informed them this was against the Federal Reserve policy in regards to information that must be contained in a hold notice. I was told to contact the local bank as they would have more info. XX/XX/XXXX I also called a local bank branch. The branch manager noted Truist has been placing generic auto-holds. I informed him by regulation they must note a reason and it can not be generic. He noted he did not have any additional info but if I wanted to see if the hold could be lifted I would need to come into a local branch. Truist is not following regulation in regards to holds.

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 2019-10-25
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 information incorrect

Complaint:
There is a line item reporting on my Transunion credit report. This item is hurting my ability to obtain a mortgage loan. I sent TransUnion XXXX   and XXXX a letter including a letter from the XXXX XXXX agency to have the item removed from my credit report. XXXX  promptly removed the item from my report. TransUnion said this item was " verified ''. How can this be verified when I sent in the letter?

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 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My XXXX wife ( XXXX XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling my credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The person I spoke to at the bank was XXXX XXXX The bank did not supply any evidence that I applied for this credit card and there is no way they have my signature for this account. I have another account with Capital One that I have had for many years that is not being disputed. How can a bank get away with opening an account in my name without my permission, a signature or any proof of whos opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
Please note that there were 2 fraudulent accounts opened with Capital One and I will file a separate complaint for the other account. Why would any consumer need multiple credit cards with the same institution. The bank definitively should have reached out to me to verify that I was the one opening these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is harassing me by calling me multiple times a week as well as calling family members ( grandparents, parents, and siblings ). I communicated with them over the phone and yet they continue to leave messages with various family members after I have spoken with them. They have left personal information on the voicemails of family members and have threatened to take action. They have not been easy to communicate with, they have been extremely rude, and I am struggling to reach an agreement with them. I am sending them payments monthly but they are refusing to work with me and continue to threaten legal action. I have never dealt with a more difficult company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have not received a response to my qualified written request to Bank of America, sent by certified mail on XXXX XXXX, 2015, and delivered XXXX XXXX, 2015. Under Section 6 of RESPA, Bank of America had 20 business days to respond to my complaint, and 60 days to resolve the issue. Please see attached letter to Bank of America and return receipt for certified mail delivery.

Company response to consumer: Closed with explanation