BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: MI
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 they violated my rights. 
Please delete the following items : STATE OF MI XXXX XXXX Account : XXXX STATE OF MI XXXX XXXX Account : XXXX 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 explanation
Consumer complaint received 2019-12-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My attorney advised me to inform the federal court Wells Fargo has not honored their settlement offer of {$3700.00} made to me by an XXXX XXXX with Wells Fargo in XXXX. Since no payment was received, I have again requested a refund amount of {$610.00}. I requested this amount prior via four mediation request forms sent to me by Wells Fargo. I deducted prior refunds received as a remedy, they are reflected in this amount. Wells Fargo rep by the name of XXXX XXXX claims to have made numerous attempts at resolution, exhausted all resources. He does not go into any detail of these supposed resolution attempts, which I can assure the CFPB and any other agency are entirely bogus. I've sent in a total of four mediation request forms, was offered a bogus settlement as no payment was received, denied refund since. Further, Wells Fargo is fully aware of what it needs to do in order to resolve this, which is to refund {$610.00}. Since they will not honor my request, an attorney has advised me to notify the federal court they have failed to honor their settlement offer. There appears to be numerous cases in the court system against Wells Fargo, I was advised to inform the court they have not honored their offer, failing to refund. Most recently, I attempted to resolve this matter by calling their Executive Office, I called on Monday XX/XX/XXXX, spoke with a total of three different reps ... I spoke with a XXXX whom could not locate any cases or files under my name, despite numerous CFPB complaints. She then referred me to settlement administrator which I believe to be a mere run-around as the settlement offer was made with a rep with Wells Fargo, her email is from Wells Fargo as well. I called back, spoke with another XXXX, requested to speak with XXXX, she could not locate him and also could not locate any cases under my name. A third call was made spoke with a XXXX, the same result with this rep as well.. If there is any question as to which party is trying to resolve this, please refer back to info I just provided and the fact XXXX has not detailed one attempt at resolution.. I can assure any third party to this matter that Wells Fargo has done absolutely nothing to resolve this..

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 2017-06-02
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX  from The Receivable Management Services Corporation indicating that   XXXX   XXXX   XXXX   had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was   XXXX  . They also indicated that I could pay by phone at   XXXX   or go to http : //www.rmsna.com/payrms : user id =  XXXX  & password =  XXXX . The letter indicated that the claim number was  XXXX  and the reference number was  XXXX . An attachment to the letter indicated that the detail number was  XXXX - and the service date was  XX/XX/XXXX . the letter is attached.
<P/>
In the summer of  XXXX , I booked a flight to   XXXX   XXXX    through  XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from   XXXX   that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to   XXXX   XXXX  . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as  XXXX  or Receivable Management Services Corporation (  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX  ; all in  XXXX  ). Twice the call came from   XXXX   XXXX   XXXX   XXXX   ; once the call came from   XXXX   XXXX   XXXX   XXXX  . The speaker on all of the calls sounded like he was   XXXX   or  XXXX . I eventually hung up on the calls.
<P/>
I did not believe that I owed  XXXX  {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is 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 non-monetary relief
Consumer complaint received 2017-05-31
Company: Genesis Financial & Payment Systems Holdings, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
After receiving calls from " Genesis Financial, '' I sent a request for validation in writing, as well as a cease and desist notice of communication with third parties or anyone other than myself as I would correspond with them directly. They noted this on the account last week per their representative I spoke with, yet not only called my mom the day after I asked them not to and they confirmed, but today my employer also got a notice from them which I have not yet even received. I have reviewed and attached the notice that was sent to my employer, and as this notice should have been provided to me, and per the phone call with Genesis Financial on speaker phone while in the payroll office at my place of employment, the person at Genesis said when I asked what my employer was supposed to do with this "  notice, '' she said nothing. '' Again then, if this notice had nothing that needed to be done by my employer, it should n't have been sent to them in the first place, and should have been sent to me as requested. I specifically asked them to send me written correspondence regarding this " account, '' provided them with my contact information to make sure they had everything they needed, only to have them continue to send correspondence to third parties without even sending it to me directly so I have a chance to dispute and/or respond appropriately. I have requested validation and verification of this " account '' in writing, and while I am waiting for them to mail me that information, they continue to violate a cease and desist communication with third parties after they confirmed receipt of that last week, and acknowledged to me they received it and would not contact anyone other than myself. This should apply to written correspondence as well as the phone calls to my " references '' as they indicated. Per that request, written notification should be provided to me BEFORE it is sent to an employer, or shared with anyone else.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: KY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2018-10-09
Company: CITIBANK, N.A.
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 TAKE TIME TO READ THIS AND THE PROOF. This is becoming an ongoing problem and blatant negligence involving my SSN and credit reporting by the hands of CITIBANK. I have desperately tried to peacefully resolve this false reporting and mishandling of my credit by CITI BANK. They sold a a debt to a third party ( XXXX XXXX ).  This third party violated many Consumer laws which lead to a settlement with them paying me and also agreeing to delete this account from my report ( all attached ). I even paid the debt beforehand so it wouldn't damage my credit.

I then contacted CITIBANK via letter several times to notify them that they were reporting false information and requested for them to delete the fraudulent account, in response they then sent me a letter ( attached ), saying that the matter is no longer theirs and I would have to take it up with the company that I won a settlement against. 

THEN 30 DAYS LATER THEY UPDATED FALSE INFORMATION TO MY CREDIT REPORT, causing it to drop 90 points, while I was in the middle of closing on a home. This caused my family so much strife and hardship. The obvious false reporting has held up my purchasing of a home, leaving my wife and kids in limbo while I rectify this situation. PLEASE look into this. This is clear bullying and they knew exactly what they were doing because I stayed in constant communication with them throughout the process. So instead of rightfully deleting this account they reported i had a balance of {$3000.00} as recent as XX/XX/2018. This account has so many violations. Its past the statue, false reporting, etc. I will not stop until their wrong doing is brought to the light. Legal action is on the way. 

Thanks

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 2017-05-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was steered into forbearance instead of being given clear alternative repayment options. After two years of forbearance, I now have an income driven plan but with much more accumulated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Navient Solutions, LLC.
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 started paying my student loan in XXXX of XXXX. My original servicer was Sallie Mae. Navient took over and my payment history of over 10 plus years disappeared. After the Covid pause I will still be paying on the student loans. It was my understanding that after 25 years the payments would stop but they haven't. I worked for a non-profit from XXXX to XXXX and never received credit as well as the last two years I have been working for a non appropriated federal agency. I have not been given any credits. I have never been delinquent on my student loans. Everytime I inquire I am being given the run around and told that I did not start paying the loans until XXXX. This is untrue because I graduated in XXXX and started making payments 6 months later. Is there anything that can be done to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : 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 2021-11-16
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
An Affidavit of Truth was dated and NOTARIZED to Equifax on XX/XX/21 and the sent via certified mail and was delivered to Equifax on Monday XX/XX/21 I have not received a response to this nor have I heard from Equifax regarding this matter. 

THEY MUST REMOVE ALL PUBLIC RECORDS FROM MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on a home in XXXX XXXX. My mortgage was purchased by Fifth Third Bank in XX/XX/XXXX. Included in the closing costs was escrowed homeowners insurance of {$1600.00} to be paid to XXXX XXXX XXXX.
<P/>
I received and email from XXXX on XX/XX/XXXX stating the premium had not been paid. When I called them, they assured me my coverage was valid for at least 30 days while awaiting escrow payment.
I received another email from XXXX on XX/XX/XXXX stating the insurance premium had not been paid. I contacted Fifth Third Bank and was assured the payment would be mailed overnight to XXXX the next day.
I received yet another email from XXXX on XX/XX/XXXX stating my coverage was due to be terminated if payment was not received by XX/XX/XXXX. <P/> On XX/XX/XXXX I began making calls to both XXXX XXXX XXXX and Fifth Third Bank. Each time I called XXXX, the representative contacted Fifth Third and received assurance the payment would be overnighted the next day.
After each call to XXXX, I contacted Fifth Third on my own.
<P/>
XX/XX/XXXX - XXXX in Customer Service - checked the system and saw the request for escrow payment, instructed me to call XXXX the following Wednesday ( XX/XX/XXXX ) to confirm payment was received.
XX/XX/XXXX - Checked my account at XXXX, no payment credited. Called Fifth Third Insurance Dept and spoke with XXXX. Both assured me the payment would be escalated and to call the following day to check. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. Escrow had not been sent yet. Spoke with XXXX. She informed me the escrow should go out the night of XX/XX/XXXX. Call to check the following day to verify. XX/XX/XXXX - Called Fifth Third Insurance Dept and spoke with XXXX. The payment was NOT sent on XX/XX/XXXX, and is scheduled to go out XX/XX/XXXX overnight. I asked to speak with a supervisor and was first told the supervisor was helping another customer, so I agreed to hold. After 10 minutes, I was told the supervisor was called into a meeting. I insisted I needed to speak with someone who could make a decision about my escrow and was put on hold again. I was eventually transferred to XXXX, a Team Lead, who explained the payment was scheduled to be overnighted on XX/XX/XXXX  and there was nothing else he could do to arrange for an immediate payment.
<P/>
At this point, my homeowners insurance is scheduled to be terminated tomorrow, XX/XX/XXXX. I am absolutely enraged about this situation and do n't know what to do other than pay the premium out of my own pocket and wait ( hope ) for a refund.
<P/>
I will attempt to contact Fifth Third and opt out of escrow for homeowners insurance. However, I have made 3 payments which include an escrowed amount and may have difficulty having this refunded to me. I have already spoken with XXXX XXXX XXXX about paying them directly beginning next year.
<P/> XXXX XXXX XXXX has been nothing but helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
This complaint replaces complaint #  XXXX . It is not a duplicate.   These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2017-06-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My auto payment did not go through again for  XXXX   2017 . I reported this in  XXXX  with case number  XXXX  and it has happened again. The company assessed me a late payment of {$37.00} hours after the payment was due but it was n't paid because they did n't do the auto payment. I called and no one will remove the late charge again. T he first operator hung up on me after I was on hold for 11 minutes and then I called again spending a total of thirty minutes on the phone. They claim they were training after the last incident but clearly that did not ha ppen.

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