BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )

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 2017-06-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Navy Federal Credit Union has taken money from my savings account to apply to other credit accounts I have with them. They are refusing to return the money to my account. Per the law 12 CFR 1026.12 ( D ) relating to Offsets. Credit grantors are not allowed to perform such actions. Regardless of what is written in their disclosures. They can only hold if it is written in a security agreement. Not take and apply to the delinquent account. The dates are XX/XX/XXXX for {$61.00} and XX/XX/XXXX for {$12.00}. After informing them in a phone call with representatives and a supervisor in collections. No resolution could be reached after I told them that this practice is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: OK
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 never gave Equifax Permission to furnish this information on my consumer report on my behalf. I am demanding Equifax remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I received an email starting there was a change in my Transunion XXXX XXXX. I processed to go to my credit report to find that someone used my name and inaccurate information putting my Excellent Transunion score to drop a XXXX points putting it in the fair score. On the report was a complaint to Transunion that I was behind XXXX payments on a loan. The lending Company known as XXXX XXXX XXXX loan someone a loan using my information stating I was behind by XXXX payments to the tune of {$3600.00}. I called Transunion on XX/XX/XXXX about the issue. They told me to call the company. I called XXXX XXXX XXXX about the issue and they told me to get a police report and send it to them. On XX/XX/XXXX I got a police report and sent it to XXXX own leasing company. After talking to a XXXX and going over all the information, the rep. Acknowledge the information was incorrect. I have freeze and fraud alerts on my third credit reporting agencies which didnt work for me. Come to find out their a company that doesnt use credit reports for a criteria to get a loan. So after XXXX missed payment they report it to Transunion which then harmed my credit standing. After not hearing anything I called XXXX XXXX XXXXXXXX on XX/XX/XXXX for a follow up. They told me they would email me everything and never did that. I want that to be removed from my credit report as they potentially could harm me if I needed a loan. It needs to be taken off immediately, not XX/XX/45 days later. Im ready to seek legal action against the company and Transunion. Can you 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 non-monetary relief
Consumer complaint received 2021-04-14
Company: Chime Financial Inc
State: TX
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:
I received a chime debit card that I HAVE NEVER APPLIED FOR. I have tried to contact the company numerous times without success, they do not have a direct phone number, unless you are trying to enroll with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 never gave TransUnion Permission to furnish this information on my consumer report on my behalf. I am demanding TransUnion remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

TransUnion please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}

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 2021-05-05
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2001 I withdrew {$5000.00} from my Ally Invest Account into my Ally Savings Account. I was charged {$280.00} by Ally Invest, they labeled it a Pre Pay fee. As listed on Ally Invest 's website, Pre Pay Settlement Fees are {$20.00}.

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 monetary relief
Consumer complaint received 2022-09-07
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:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX Date Opened : XX/XX/2021 Balance : {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party.

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand TransUnion and XXXX to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.

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 2020-04-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
REFERENCE XXXX In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXXXXXX fro the amount of {$3800.00} and used my XXXX XXXX to pay for this amount. 
The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. 
Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX   receives the item below, we'll issue a refund to your original payment method '. 
I have reviewed the response altogether with a documents provided by the opposing side and vocalize my intention to continue this dispute. In order to prove that Ive returned exactly what was purchased, during the packaging Ive recorded a video of physically placing an item into the box, showing all pieces packed altogether with a shipping label close up. 
Originally this video was recorded due to insurance concerns merchant refused to provide the return shipping label, so I had to purchase one. Due to the high value amount if this item, I had to insure this package. During that time, XXXX advised me, that in case the package gets damaged, best way to get a reimbursements is to have a proof of solid inner packaging. In cases like mine, where the item was very costly, video would be a great type of a supporting document. 

Video had been recorded on XX/XX/2020 and available via link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sorry for the inconvenience of having to watch that long. Ive enclosed the the timecode, which also could be found in a description box below. Ill copy them here for your convenience as well. 

DISPUTE CASE XXXX XXXX CLAIM ASSOCIATED WITH A TRACKING XXXX RECORDED ON XX/XX/2020 TIMECODES : 0:18 - Showing was was packed 0:26 - Condition of the item 1:54 - Sealing the decorative box 2:16 - Sealing the retail box ( serials enclosed ) 3:56 -  Final check of what's inside the box 4:04 - Inner packaging 4:58 - Sealing the shipping box 5:12 - Showing the return XXXX shipping label with matching merchant credentials 5:27 - Outer packaging final check up Among the documents provided by the opposing side, I havent found any photo or video proof of their words. Therefore I found their position nothing but a blasphemy and hearsay, with all due respect. 


Kind regards. 
XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
they have called and left messages with myself and my sister and have my social security number. I spoke with them today XX/XX/2021 and they are saying I owe money on a Best Buy account. I didn't have an account on the dates they said it was opened and closed. They said if I do not pay they are going to file paperwork to take me to court and I better have the full amount because I will loose the judgement. I have been hung up on every time they don't like one of my answers. I am scared that they have personal information and worry they will be making up a false lawsuit. the company they say they are calling from is XXXX XXXX XXXX and the number is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A request for validation made pursuant to 15USC 1692g Sec. 809 ( b )  of the FDCPA was sent to the credit bureaus XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase on my Best Buy credit card in XX/XX/XXXX. On XX/XX/XXXX, I received an email alert that I had a payment due in 5 days. When I called in I was told I was automatically enrolled in paperless billing and that no statements are even emailed out and I have to log into my account to see my statement. I was also informed that the normal promotional financing of 90 days no payments or interests now only applied to purchases of {$190.00} or more ( my purchase was {$190.00} before taxes ). I was never notified that the promotion had changed. 
It appears as if Citibank is fraudulently conducting themselves in order to get people to be late on their payments and collect late fees and void any promotions

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