BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!

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 2021-01-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

XXXX XXXX XXXX XXXX Balance {$0.00} - This account has been sold to another agency and you are past the legal time allowed to be reported to this account. Delete this account as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account unknown please remove. 

XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} - Reporting unknown which means it's incomplete, please delete. 

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX  XXXX XXXX, XXXX XXXX Balance : {$1300.00} -This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this 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 2015-08-05
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I authorized automatic payments on the XXXX of every month starting XX/XX/2017. An unautorized payment was run by PRA Group Inc on XX/XX/2017. I called my financial institution, and they stopped the transaction and released the funds back into my account. I then emailed and called PRA Group Inc and demanded they cease and desist any and all efforts on my accounts with them due to their practices breaching the FDCPA by processing an unauthorized trasnsaction without my consent. On XX/XX/2017 PRA Group Inc ran my financial information again, and collected the payment a second time, after being notified to cease and desist for the original unauthorized payment.on XX/XX/2017, due to violating 15 USC 1962e ( 10 ) and 15 USC 1962f ( 1 ) ( 4 ). Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NJ
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 these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX  DAYS LATE XXXX  XXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

Equifax has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX : XXXX XXXX : XXXX DAYS LATE XXXX XXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: LA
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 reporter XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.

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 2022-03-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is the 12th time I have contacted equifax about the following inquires that are Unverifiable and not mine that are reporting on my credit report nd still nothing have been done the only response I get is that the INQUIRES ARE FACTUAL and the following inquires are not factual : 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 If these inquires are factual : a ) Tell me in writing what information you received from this creditor to support the presence of this Inquiry. 

B ) Tell me in writing what you did to determine that the information the creditor provided was accurate. 

c ) Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late Inquiry. 

EQUIFAX DID NOT PROVIDE ME WITH NONE OF THIS I DON'T UNDERSTAND. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. U.S.C. 1681b ( a ) ( 2 ). 15 U.S.C 1681b ( c ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Consumer opened a checking account with Wells Fargo and was offered {$100.00} opening bonus for terms of minimum direct deposit payments, account open length, and activity minimums. Consumer met all requirements. Bonus was not paid to consumer. Consumer received a letter confirming he was due a payment in the amount of {$100.00}, but this letter indicated the money would be deposited into an erroneous account number. Consumer wrote and called to Wells Fargo Customer Service and Exception payments departments, who reasoned that since they could not locate the erroneous account, they can not grant consumer that bonus that they guaranteed him in writing. 

Consumer met terms of bonus through his upkeep of accounts EVERYDAY CHECKING XXXX and WAY2SAVE SAVINGS XXXX. Failure to pay the earned bonus amount is unfair to consumer who upheld his obligations.

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 2016-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. 
XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. 
So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. 
The reason is that merchant is failed to performance service described according to master card charge back code XXXX. 
I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. 
I would like to reopen the dispute and get the money back from the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Without my permission BB & T took it upon themselves to allow many charges on my account from a furniture company called XXXX numerous times causing overdraft fees which resulted in a negative balance many, many times! I am very furious i have close my account they took months to refund my funds, but it happened many times after that. 

Please compensate me for the stress that this has caused. 

Thanks, 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 2020-03-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a flight was purchased using my debit card for {$260.00} and immediately an hour later, call was made to XXXX to cancel the purchased. It was cancelled and my account was not charged at that time. However, a day later ( XX/XX/2020 ), charge of {$2200.00} was posted to my account from a merchant that I did not recognize the name and I immediately, I called Suntrust to stop the payment that it was a fraudulent charges. Suntrust opened a case to investigate. Nonetheless, upon completion of an investigation from Suntrust, they decided that the charges were justified and I'm responsible for the charges and the overdraft fees that was incurred during the investigation. In other word, Suntrust denied my claim stating it was denied because I had interaction with the merchant. I have called the supposed merchant several times with no success. I thought this was a fraud since I did not purchase anything for {$2200.00}. I want Suntrust to refund my money in the amount of {$2200.00} plus {$72.00} for overdraft fees since I called them less that 24 hours that it was a fraudulent activity. Suntrust has the power to stop any payment that I want them to stop. They are supposed to protect my money and they failed to do so. They blocked my card several times for small amount and did not think they should blocked this large amount before authorizing it. Why I'm banking with them if that can not protect my hard earned money from thieves?

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 2016-06-23
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.

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 2022-10-13
Company: EdFinancial Services
State: TN
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:
I requested a student loan refund of {$20000.00} from Edfinancial Services for payments made during the XXXX pandemic on XX/XX/2022. I was told that the request would be processed in XXXX days. I did not receive any form of confirmation that the refund had been processed or that it was pending processing. I called EdFinancial again on XX/XX/2022 to make sure my refund request had been submitted. The agent I spoke to confirmed that the request had been submitted. She also told me that there was no defined timeline for processing, reinstating, or refunding my student loans. I filed a complaint with CFPB due to the servicer 's lack of transparency. Shortly after making my complaint Edfinancial Services reinstated a balance of {$9900.00} to my account on XX/XX/2022. I received treasury checks equaling that amount in the mail on XX/XX/2022. {$10000.00} of my requested refund is still missing. I have called Edfinancial Services once a week to ask about the remaining funds. Each Edfinancial agent I have spoken to has said that the refund request is processing but they can not give me a disbursement date because the Department of Education controls the processing timeline. XXXX of the agents gave me the phone number to the XXXX XXXX XXXX XXXX XXXX so that I could speak with someone associated with the Department of Education. I called the number on XX/XX/2022. The XXXX representative I spoke with could not find a record of the request for the last {$10000.00} of my refund. I immediately called Edfinacial Services to figure out why they had not sent the Department of Education a request for the full {$20000.00} I had asked for on XX/XX/2022. The Edfinancial agent claimed that the request had been submitted correctly. She was not able to tell me why the Department of Education did not have any record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.

Company response to consumer: Closed with explanation