BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my SECOND FORMAl REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX in XXXX of 2021. The payment was never late. It also is listed in a period the was protected by CARES Act which is a violation of federal law. Which will reported to the FTC if the late payment is not removed immediately. 
Provide physical verification from creditor or delete XXXX. XXXX XXXX Account XXXX XXXXChargeoff/Collection-Account not mine Provide physical verification from creditor or delete Thank you for your prompt assistance in this matter.

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 2017-03-13
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for 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 2022-06-01
Company: I.C. System, Inc.
State: GA
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 IC.SYSTEM.INC. Is requesting me to pay the sum of : {$3000.00} in Collection of an account that doesnt belong to me. 
Ive been a victim of ID Theft. 
Theyre harassing me and need to stop.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This dates back to XX/XX/2011. I had a deferred loan and one I was paying regularly on. I submitted my payment for the loan that was due and Navient applied the payment to the loan that was deferred, ignoring not only the loan number was different, but that the payment was not due on the deferred loan. I received a call stating that the loan payment on the open loan was late and then questioned them on where they applied my recent payment because it was not late. They could not find the payment at first, but after about a half hour on the phone, they were able to track down that the payment was misapplied ( their fault ). At first I was told that they would re-direct the funds to the open account. So I thought, a few weeks later, I received another call that it was late still. When I called back, they still had not transferred the money. Finally, after over a month, they finally moved the payment, however, I just recently applied for a mortgage, and they are denying me because of the late payment to Navient XX/XX/2011!!! Even though Navient knew it was their fault and their responsibility to rectify, they still reported me to the credit bureau as late! I have a print out of all of my payments to them since my loans started and I do not see anywhere where there was one ( 1 ) XXXX day late payment. How can they be reporting this? I have no other late payments to them except for the one they are reporting and it was not my fault. I did not even know it was even on my report until the credit denial! I have had nothing but issues with them since the start of my loans and feel like I have continually had to keep an eye on how they apply my payments. Their reporting practice is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  XXXX  credit bureaus ( TransUnion,  XXXX , and   XXXX    ) will ho nor removing the inquiries even though I was solicited by   XXXX   XXXX  . The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers a re one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accor  dance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, suc h consumer consents to the consumer reporting agency to such furnishing.

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 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good Day, Im using paypal for my online business and my account XXXX opened in XX/XX/2022 and has been permanently limited and I have funds of XXXX XXXX stuck. I hope my account will be back so that I can withdraw my money. thank yoy for helping. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX Account number xxxxxxxxxxxxx XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.

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: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 1999, at XXXX years old, I enrolled in a XXXX XXXX XXXX program at XXXX XXXX XXXX University with an income of {$0.00}. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from XXXX XXXX, which have been sold to different groups over the years and are now serviced by Navient. I have XXXX separate loans with interest rates of ( 8.5 % - XXXX loans, 3.5 % - XXXX loans, 4.75 % - XXXX loan ) and owe a total of {$31000.00}. My total monthly payment is about {$400.00} and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( XXXX XXXX ) and am interested in any public service loan forgiveness programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.

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 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Bank of America. Since then, Bank of America will no longer allow me make credit purchases except in person with the chip. I have called Bank of America 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and 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 2021-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Chase Mortgage is being reported in the remarks " Payment Deferred. '' This is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: NC
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:
HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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 Reporting act XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
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.

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 2015-06-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Bank of America changed the status of account from closed, XX/XX/XXXX to open, late as of XX/XX/XXXX. Score plummeted as a result.

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 2016-11-15
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from ASSET RECOVERY SOLUTIONS LLC # XXXX. I had previously disputed this account. I have never done business with ASSET RECOVERY SOLUTIONS LLC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ASSET RECOVERY SOLUTIONS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ASSET RECOVERY SOLUTIONS LLCCease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Account information incorrect

Complaint:
I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call XXXX has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )

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