BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM 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 non-monetary relief
Consumer complaint received 2021-12-09
Company: NAVY FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
I sent letters on XX/XX/XXXX and XX/XX/XXXXand havent gotten a response or anything in writing from none of the XXXX credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Procollect contacted me on the phone XX/XX/XXXX and told me I had a debt from a lease. I told them that I was the victim of Identity Theft and to check my credit report where I had reported it in XX/XX/XXXX previously. They told me to prove it and pay my debt and then reported me to the credit bureaus two days later as being in default. I contacted them after that and explained the situation again- they lied to me on the phone and told me they had sent me written notification on how to dispute the bill, when they had not, they also told me that it could not be IDTheft because the person submitting the lease had used all of my correct information. I spoke to the landlord and this was false they used incorrect information and different information from what Procollect told me. Procollect has been informed by phone, in writing by email, and in writing by the form on their web site this is IDTheft and they refuse to take it off or provide me with any information with which to dispute their claims. They also refuse to talk to the police and cooperate with them.

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: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} XXXX  {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}

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 explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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:
This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : 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 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 2023-02-03
Company: Experian Information Solutions 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:
Response from lender requests account information which I dont have access to & it states above not to include the information here. How can I 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 2019-12-13
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Recently on XX/XX/XXXX because of a phone call received from Citi credit card company I became aware that a credit card had been issued in my name to a person living in XXXX XXXX Ga who had the same first and last name. The total balance owed being {$9000.00}. A payment Citi received was less than the monthly {$850.00} owed. 
I have never lived in Ga.. I have lived in Florida since XX/XX/XXXX. I have never had a Citi credit card. Yet the individual had obtained all my personal information according to the Citi rep. 
Citi called Florida on our landline phone number and we spoke regarding the bill. Apparently contacting the person who was issued the card and had made the payment did not occur to Citi. 
Therefore it is difficult to believe Citi can or is willing to do the right thing. 
To be told a credit card with my name has an unpaid balance of over {$9000.00} is frightening.

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 2019-12-10
Company: U.S. BANCORP
State: CA
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:
In XX/XX/2019 A payment was processed but it did not go through, I tried to resolve with company but it did not pan out. The payment was reported as missed, but the payment was processed it just did not get to the credit card company and I was not aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
The complete taking of my tax returns past two years, desperately needed to survive amid extremely poor job prospects. It could have been allocated towards getting me out of default gradually while allowing me to scrape by slightly better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is trying to collect on behalf of XXXX   XXXX  for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2018-09-27
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. 
I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. 

My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. 

I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 

1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple.

I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?!

After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Selene Finance LP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with a HUD approved housing counselor to have Selene review my request for modification. On XXXX/XXXX/XXXX my housing counselor and I were told to send in the XXXX most recent bank statements and proof of income. We advised Selene that Social Security was my only income and they requested a letter stating that Social Security was my only income and I was no longer self-employed. We sent it per their request. 
On XXXX/XXXX/XXXX my counselor verified with XXXX at # XXXX that the paperwork was received and nothing new was needed. On XXXX/XXXX/XXXX my counselor called Selene to check on my request status and spoke with XXXX XXXX she was advised that the request was closed out because we did not send the bank statements per the letter request in XXXX XXXX. The requested bank statements were sent on XXXX/XXXX/XXXX. 
However, the XXXX XXXX was not statement, but a full month transaction history of the bank account because statements were n't available yet, which included my name and account number, the same as on the XXXX XXXX bank statements. We were told by XXXX XXXX that even though we were told all the information was received by Selene on XXXX/XXXX/XXXX that the transaction history was no acceptable. XXXX XXXX stated that Selene did not send out a letter stating the transaction history was not acceptable, but said that they made several unsuccessful attempts by phone only, to reach me. Since they call me for collection reasons all the time and I am working with a counselor I did not answer the calls. I thought they would send a letter if something was missing. The modification request was closed and we were told that we would need to resubmit everything because Selene does n't have competent people answering the phone who could have told us on XXXX/XXXX/XXXX that the transaction history was not acceptable. Had we been told that day we would have sent the statements as soon as I got them from the bank, which was the only reason I did n't have them to send on XXXX/XXXX/XXXX. There should have been more than enough time between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for someone at Selene to make a note stating the transaction history was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: POPULAR BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Popular Community Bank has offered a {$120.00} bonus for opening checking account. ( Receive {$75.00} when you make XXXX ACH direct deposits of {$500.00} or more. Receive {$50.00} when you make XXXX online bill payments or preauthorized withdrawals. ) I accepted Popular Community Bank 's offer and opened checking account # XXXX ( letter attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Popular Community Bank has decided to close my account some XXXX weeks later after accepting my opening deposit. When I called the bank, I was told that account was submitting for closure because the closest bank 's branch is a XXXX miles away from my home. I tried, in vain, to explain to the bank 's representative that I am frequenting the areas in Florida when bank has branches, and generally conduct most of my banking on line, after all, it is XXXX XXXX and everybody has access to XXXX. Moreover, the account I opened is called online Checking with online Banking, online Bill Payment and Mobile Banking. At the end, I was told that the bank is unwilling to change its decision to close my account. 

The bank has made a promise to credit a {$120.00} bonus upon opening of checking account to residents of Florida, New York and New Jersey. I live in Florida and I accepted bank 's offer by opening a required account and making a required opening deposit. XXXX of bank 's offer or a binding promise of bonus represents an unilateral contract for breach of which law provides a remedy. I was unable to complete the transactions necessary to receive a {$120.00} bonus because Popular Community Bank breached the contract by terminating my account without lawful justification or excuse. Popular Community Bank action of closing my account is a breached of contract and law affords remedy or a legal cause of action in which a binding agreement or bargained-for exchange is not honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 explanation