BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: TX
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 requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 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 2023-06-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received my first email from MCM stating that they would be sending my information to their legal team if I did not pay them. I have not heard from them in any other capacity until that point. I do not know what the debt is for nor did they specify. XXXX XXXX was the email signature. There was no timeframe given in which I was to respond. I have not received any correspondence other than the email threatening legal action with no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Silverman Theologou, LLP
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( XXXX  ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Navy Federal Credit Union claimed to have {$91000.00} on XX/XX/XXXX to transfer on behalf of the borrows per a settlement statement. Repeated request in compliance with NFCU billing rights, XXXX, and the Freedom of Information act for NFCU to validate that amount and where it came from have not been complied with beyond claims they never received those request. In addition is the settlement statement claims {$41000.00} transferred, as part of {$91000.00}, to XXXX XXXX XXXX. XXXX XXXX Loans was seized for fraud in XX/XX/XXXX for this exact same practice of initiating loans they could not validate the original amounts resulting in a over XXXX difference between what they claimed they had and what they actually had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report concerning account # XXXX, the Charge-off account from XXXX XXXX. It has come to my attention that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation into this matter. 

I request the immediate and complete removal of account # XXXX, including all associated late payments, from my credit report. The presence of these items is inaccurate and negatively impacting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected. 
2. The right to obtain a free copy of my credit report once every 12 months from each credit bureau. 
3. The right to dispute any erroneous information with the credit bureaus and have them conduct a fair and prompt investigation. 
4. The right to be informed about the sources of information that contribute to my credit report. 

I expect a swift resolution of this matter in accordance with the law. Please provide written confirmation once the investigation is concluded, and the disputed items are removed from my credit report. 

Thank you for your prompt attention to this dispute. 
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 2023-08-24
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo opened a personal loan answer credit card in my name without authorization. This been going on since XXXX XXXX, all these case numbers and XXXX numbers. I was supposed to be refunded {$6200.00} for unauthorized payments out of my checking account XXXX XXXX XXXX... I have received {$500.00} refunded but not the rest. I can't believe this situation in the times we are all in 2023. Wells Fargo made a huge mistake

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 2023-08-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a dispute with Wells Fargo Bank stating that a transaction was not as described and they said they would look into it and it would take 10 days. On XX/XX/XXXX I was awarded a provisional credit of XXXX which was the amount I was disputing. 10 days passed by and I received no communication from Wells Fargo by mail or email so I assumed the case was closed and dealt with. Today XX/XX/XXXX I received in the mail a document that stated my transaction was not in error and the provisional claim would be deducted XX/XX/XXXX. I was confused because Wells Fargo stated they would follow up in 10 days and went radio silent for over XXXX months. The transaction was authorized by me, but the service was not as described and the place I made the transaction was being difficult when dealing with a refund so I followed up with Wells Fargo hoping they would be helpful about the situation and instead did absolutely nothing but give me a credit not speak to me for months and then randomly decide to take the money back with no explanation about why they went silent. This worries me because I am disputing a current charge as well that is a much larger amount and that service that I paid for almost caused physical danger to me so I do not want a notice coming in the mail months from now again trying to take the money back from me after radio silence.

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 2023-03-08
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid APR Notes XX/XX/XXXX XXXX {$34000.00} 9 % First known student loan statement XXXX XXXX {$44000.00} 9 % Consolidated loans XXXX XXXX XXXX {$61000.00} 9 % XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} 9 % Balance decreased for reasons unknown XX/XX/XXXXXXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} 9 % XXXX purchased loan from XXXX XX/XX/XXXXXXXX XXXX/Nelnet {$64000.00} 9 % USA Funds sold loan to XXXX Finance, Nelnet XX/XX/XXXXXXXX XXXX/Nelnet {$85.00}, XXXX 9 % Incredible ! 
XX/XX/XXXX XXXX/Nelnet {$87000.00} 9 % XX/XX/XXXX Fed Loan Servicing {$89000.00} 9 % Fed Loan Servicing assumed loan from XXXX/Nelnet XX/XX/XXXX Fed Loan Servicing {$98000.00} 9 % XX/XX/XXXX XXXX XXXXXXXX XXXX {$98000.00} 9 % XXXX Nelnet {$98000.00} 9 % Nelnet assumed loan servicing XXXX Nelnet {$110.00} XXXX XXXX 9 % Incredible XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: WA
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:
early in my banking experience on numerous occasions overdraft fees and other fees were assessed.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: IN
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:
Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

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 2023-08-25
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states 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 ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do. Due to The above mentioned reasons please removed the late payments on the following accounts on my credit report which are reporting illegal. 
Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate Payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.

Dept of education account # XXXXlate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Adjustment Bureau. Inc. Is incorporating small debt accounts into large amount in order to post on credit bureaus as a threat to pay. CT. law does not allow posting of debts under {$500.00} to buresus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my updated credit report, I see that the same account was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$7900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to address a pressing matter related to my Capital One account Recently, my wife XXXX XXXX submitted a request to update her profile, specifically to replace her ITIN with her Social Security Number on her accounts. She is an authorized user on one of my credit card account. 
Unfortunately, it appears that during the process of updating her information, an error occurred within Capital One 's system. This error has led to the creation of a duplicate entry and a mismatch in my account details that requires immediate correction. 
Regrettably, this significant oversight by Capital One has rendered me unable to access any of the products associated with my account, including my checking accounts, savings accounts, and credit cards. It is evident that this situation is causing undue financial strain, as Capital One is currently withholding my funds without any legal mandate, thereby causing unwarranted delays in meeting my financial obligations. 
I have invested countless hours in phone conversations with various agents from Capital One, all of whom have been unable to provide a satisfactory resolution to this predicament created solely by Capital One 's errors. 
I implore you to treat this matter with the urgency it demands. 

Thanks for any help that can be given with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I do not owe the alleged debt and have no knowledge of this alleged debt. They have not provided me with original copy of written contract with wet ink.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owed XXXX  XXXX XXXX credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle

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 2023-08-25
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 via XXXX marketplace a buyer contacted me to purchase two XXXX  I had listed for sale. The customer and I communicated via XXXX chat. He said he had been banned from using XXXX for payments and would like to pay me via paypal. I said that was fine. He sent me a total of {$720.00} for two XXXX. Before shipping out I contacted the customer to make sure the address provided was accurate. The address I had was in XXXX, WA. The customer said that he would like them shipped to another address in XXXX XXXX, TX. I have records of our communication. I confirmed once again this address in TX was accurate and explained that once shipped out I could not replace, or refund if the address provided was not accurate. He confirmed the address in TX was correct. I sent out the XXXX  and provided tracking. The items were delivered on XX/XX/XXXX. The seller opened a dispute in PayPal claiming he did not receive the XXXX. PayPal asked for proof of shipment I provided the tracking number, Paypal requested proof I sent to the address so I sent the shipping label image which shows the address that was provided by the seller. I also sent a copy of our chat which shows the seller asked me to change the address from XXXX, WA to TX. Paypal, ruled in the buyers favor. I have since learned that this is a common scam, scammers have learned to take advantage of PayPal, they will deliberately ask for a different address to ship to, and then will open a dispute so that they get refunded and they also get to keep expensive electronics, leaving us businesses or sellers out of luck. Paypal advertises safety policies in place to protect buyers and sellers but it seems the only people that their policies protect are scammers who know how to take advantage of their system!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed this fraudulent account on my record, I have never had a car loan until recent. I just recently got my driver license. I am a victim of identity theft I noticed this account back XX/XX/2022 and than I contacted the police for help and they stated I need to dispute with the bureaus and I have but they aint any help. 

This is hindering my consumer report. My next step is going through litigation I truly dont wont to sue but at this point this is the only way they will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery services refuses to provide me with debt validation letter stating its last 30 days I dont remember receiving anything from them on this debt. And to my recollection dont owe this debt and have continued to call over debt after stating they wouldnt send letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CURO Intermediate Holdings
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall .... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and

Company response to consumer: Closed with explanation