BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DEPT OF EDUCATION/XXXX Account # 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-01-03
Company: Experian Information Solutions Inc.
State: MS
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:
I submitted a dispute with Experian on XX/XX/XXXX stating that XXXX XXXX Acct # XXXX was past seven years from first date of delinquency. Experian sent me an email stating that all information was updated, I never received my result by mail and I did not ask for my results to be sent in an email. I have a report from XX/XX/XXXX showing first date of delinquency was in XX/XX/XXXX. I also have a report from XX/XX/XXXX that shows Experian removed the first date of delinquency that was previously reported in my XX/XX/XXXX report. Experian has violated my consumer rights. As of XX/XX/XXXX the XXXX  acct is still being furnished on my Experian credit report. Experian has violated 1681 ( a ), 1681c ( a ) ( 5 ), 1681e ( b ), 1681i ( 5 ) ( A ) ( i ), and 1681i ( 6 ) ( A ) of the FCRA.

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 2015-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times asking National Credit Systems to send me information to verify an alledged debt on my credit report. To this day I have yet to recieve anything in written. It is my belief this company keeps stalling because they do not have any records. According to FCRA I have a right to ask for written verification of anything on my credit report that I believe is inaccurate.
Their last response a few days ago was they were going to contact the credit bureau.They also asked me to send any information to help them verify the alledged debt. I do not have information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a closed/charged off account that keeps reporting current late payments but the account status is closed. This is a direct violation of my consumer rights. This misleading information permits me from not getting anything positive in my name and this information is also violating the FCRA Laws. Experian is reporting false information about me and out of respect for my consumer rights this account should be removed immediately or litigation will be involved. This XXXX XXXX  account was closed on XX/XX/2016, and charged off. Why is Experian reporting late payments, this is definitely false information and violating the FCRA. The other bureaus deleted this account because of the violations.

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 2022-01-03
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company has Unlawfully obtained my personal information and created an internal account and made me a debtor of said account. I have no relation with National Credit Systems. 18 U.S. Code 1028A- Aggravated identity Theft I did not give National Credit Systems Inc permission to report an acccount on my consumer file. They illegally used my social security number and other personal information against my will. 15 U.S. Code 1681b- Permissible purpose. If National Credit Systems believe they have permission or any contractual agreement to do so please provide proof immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed Chapter XXXX bankruptcy in XXXX 2010. My credits were notified electronicaly on XXXX XXXX 2010. Wells Fargo entered a illegal lien on my property on XXXX XXXX 2010, through XXXX XXXX XXXX. This account was discharged in XXXX 2010, but the lien remains against my property.

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 2020-06-11
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  billed the incorrect insurance although they had the correct one but listed it as secondary. They never tried to collect from the correct carrier, XXXX. XXXX then sent me to collections and every month the agency submitted a negative report to the credit bureau. All XXXX had to do was contact me regarding the correct insurance or bill the other insurance that they had on file. The bill was from XX/XX/18 and it was over XXXX. Once I found out about the negative report, I then contacted XXXX where the office manager would not call me back for a week and after I left several messages. I did ask the front desk for the billing dept 's phone # and spoke to someone in billing who reviewed the bill and admitted that they made the error, so they would remove it from collection. I obtained the phone # to the collection agency and confirmed that the bill was removed, but this does not fix the 17 months of negative reporting. I then left another message for the office manager explaining I needed an immediate call back as I was in the process of filing a complaint. The manager called me back and assured me that she would have this removed from my credit report and send me a letter stating such.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a Capital One Credit Card holder. Capital One has tried to get me to upgrade my credit card for many years. I finally decided to apply for another Capital One credit card that I actually thought I would use and for which I would derive benefit based on my spending habits. I have a credit score of XXXX as of XX/XX/2022 per Capital One XXXX XXXX credit score tracking. I was told I could submit a soft application which would not affect my credit score. It was a fraction of a second after hitting enter that I received notice that my application was denied. This seems like a deceptive practice of bait and switch. Capital One apparently wanted to steer me into a specific credit card category and therefore denied me the credit card I wanted which required a lower credit score category than the excellent score I possess. In addition, I have a substantial credit line with Capital One and offered to share this credit line with a new credit card when I first broached the subject with Capital One last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received an inquiry for work to be completed via email. I responded with an estimate and the client proceeded to fedex an official sun trust cashiers check. I received the sun trust cashier check XX/XX/XXXX. Upon receiving, I deposited the cashiers check of XXXX $ into my local branch and waited 2 days for the check to clear. Once the check cleared I proceeded to follow clients instruction and make payments to his material suppliers {$4900.00} under the assumption bb & t had verified the funds, which included {$2900.00} deposit into a scammers XXXX XXXX account and {$2000.00} into a Bb & t scammers account. On XX/XX/2021 the fraudulent sun trust cashiers check bounces and Bb & t takes my funds immediately rendering me scammed out of {$4900.00}. I have email and texts conversations, photos of fraudulent check and all who were involved. I had a feeling something wasnt right but was sure my bank would spot a fake before clearing the funds into my account especially after the SunTrust and Bb & t merge, I was wrong and payed the price dearly. I have banked with Bb & t for years and have been a loyal small business client. I thought they would have taken Atleast some responsibility on there lack of due diligence.

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 2016-11-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have achieved 80 % LTV on my primary residence base don the valuation at the time I purchased/financed it in 2010. My mortgage servicer, Wells Fargo, notified me as required by law, that I have options for dropping my PMI insurance. It is my desire to have my property re-appraised to demonstrate it has appreciated in value so I can immediately drop PMI. 

Unfortunately, despite having followed the directions provided in the letter to contact and schedule the appraisal with the " Wells Fargo PMI department. '' Despite numerous attempts, I have not been able to reach the PMI I have called Wells several times and each time they either claim that the PMI department is unavailable. On my last call about 2 weeks ago, they finally said they would notify the PMI department of my intentions and someone would call me back. 

I have not heard back from them. At this point I assume they are incompetent, indifferent or crooks trying to minimize their risk at my expense.

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 2022-01-03
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX, XXXX, & XXXX I sent emails to XXXX XXXX and XXXX XXXX requesting for my XXXX as I stated that : Amount written off : {$5400.00} Paid : {$20000.00} principal {$6000.00} interest accrued Contract Total paid XXXX {>= $1,000,000} financed Principal Paid : {$20000.00} 1 ) the vehicle needs {$14000.00} of work done. The vehicle is not worth that amount. 

XXXX ) Ally Financial has written-off the account. The amount owed is for interest and past due charges, not for the vehicle value. 

XXXX ) Spoke with XXXX on XX/XX/XXXX. He said they will not take the vehicle because it would be useless. Also stated, I expressed to them that the vehicle needs to be removed from my property because its a violation within my property management company to have abandoned, unused vehicles for an extended period which will create an expensive fine. 

I will not pay for interest that was written off and the value of the vehicle has been paid already and Ally refused to take the vehicle. 



The XXXX XXXX XXXX has been wrote off since XXXX. 

Please release the title and send a XXXX. 

At this point I will be filing bankruptcy if cant get resolved.

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 2020-06-11
Company: EQUIFAX, INC.
State: UT
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:
The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX IN CO ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2016-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2017-08-16
Company: Advantage One Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Advantage One Credit LLC has disappearedXX/XX/XXXX I have paid off my title loan I took out in XX/XX/XXXXand they have NOT released my lien on my car. They have athe original phone number disconnected and I have tried all numbers. Until last SundayXX/XX/XXXX I looked up the website there is a new 888 number but I have called over and over no answer or call back however the out going message has changed twice. I have emailed multiple times as well. XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma will not give me any information except a lawyers number who says she cant help me or any of the many people calling her. She did mention that she would let the new lender know and she told them to put a new number on the website. So she knows more then she is sharing. Yet still no contact from anyone. I have found multiple articles that they do not hold a licence in many states including Washington XXXX XXXX XXXX-not-licensed-washington-state I have information I will gladly give you with more details. They were unprofessional and not currant with any of the statements. I agreed to pay more just to close the account sending in a extra {$200.00} because they stated WE FEEL LIKE YOU NEED TO PAY MORE ..I have never heard of a company that said that They FEEL? AT this point I am going to the next level including the press I have started several complaints including FTC & DMV Please help me Thank you a very frustrated consumer

Company response to consumer: Untimely response
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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