BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my TransUnion, XXXX and XXXX credit report, and i noticed these accounts that i have disputed came back as accuracy and verified. 
Under U.S.C 1681 section 602 A states i have the right to privacy.

Under U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 collection may not communicate with a consumer in connection with the collection of any debt.

Under USC 1681 these agencies are all in violation to be reporting late payments on my credit report also.

So they all in violation reporting Late payments, charge offs, collections and two { XXXX  } bankruptcy.

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 2021-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank Regarding : Wells Fargo Bank, N/A XXXX XXXX XXXX XXXX, OR XXXX This amount was taken by XXXX XXXX XXXX XXXX to pay for full coverage on my XXXX XXXX XXXX that I own. I spoke to agent XXXX and he said he is not going to pay me anything for my vehicle that was stolen. I have a police report on file and I have not been contacted by any XXXXpd detective as between XXXX. 

XXXX A recurring payment was authorized with card XXXX for {$120.00}. 

My car was used to drive to work and I was issued a parking permit by my employer The XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Dates employed were XX/XX/XXXX - XX/XX/XXXX. My car was purchased XX/XX/XXXX with a cashiers check at the XXXX and XXXX location where I paid for a safe deposit box. I did not know that my life was in danger by a United States XXXX who accompanied to the bank to get my cashiers check. I was never aware of any additional persons in my vehicle or anyone holding any fire arms at the time of purchase. I have recently been denied a housing voucher by my employer XXXX. XXXX the CEO said she was closed when I inquired about an emergency situation that threatens my life since my vehicle was stolen on XX/XX/XXXX. 

Will you please put back all of the money my sister XXXX XXXX XXXX deposited to my account from her bank XXXX  XXXX XXXX. She wanted me to go to school and find a job, which I done. This type of discrimination is contagious all over Downtown XXXX XXXX, I feel this omission of danger is not to be ignored by any Banking institution. It can cause robberies. I also had a roommate named MsXXXX XXXX. I am almost sure she came in the bank pretending to be me. If so will you please freeze her assets everywhere.

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 2021-11-13
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : REGIONAL ACC Date of inquiry XX/XX/2021

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 2021-11-13
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: Was not notified of investigation status or results

Complaint:
Equifax has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with XXXX XXXX XXXX or XXXX  XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. Equifax has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: I.C. System, Inc.
State: NC
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:
the bank XXXX XXXX XXXX XXXX XXXX in XXXX NC. i owed them a balance of {$350.00} through the company called IC systems. i paid IC systems the money owed to XXXX XXXX XXXX XXXX. the money was paid through my bank, XXXX XXXX XXXX XXXX using my debit card on XX/XX/2021. here is proof that the account has been paid in full : XX/XX/2021 XXXX Debit - Visa Check Card XXXX - XXXXIC SYSTEM XXXX XXXX MN XXXX - {$350.00}

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 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account with a very vague explanation and will not help me with getting it back up and going. On numerous occasions I have called and have been told many different things : If you are just creating a money pool with other bloggers I dont see an issue If there is an issue we will send an email with steps to restore your account to good standing The activity is high risk according to account management and when they take a closer look at your account you will no longer be able to do business with PayPal. This goes for any other accounts with similar information so I advise you to find a different payment method. 

I have not been able to get help from them for months and I want to be able to continue to use their services. I just remembered I could file a report on here as I feel they are not doing their part to resolve this amicably and it is effecting me a great deal as I have used PayPal quite frequently for more than a decade. The email linked to my currently limited PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-11-13
Company: CORELOGIC INC
State: DE
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 Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

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 2021-11-13
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : WFDS Date of inquiry XX/XX/2021

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 2019-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2017-06-06
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
A XXXX XXXX XXXX account appears on my report that states I have a past due amount to XXXX XXXX from XXXX. 
I have never been with XXXX. 
There are 16 other XXXX XXXX in the XXXX XXXX area. 
I have been with XXXX since XXXX. 
I offered to provide my declarations page for each year. 
I submitted a dispute and within days they closed the dispute and marked the account as accurate. 
They refuse to open a second dispute or take my documentation.

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 2022-04-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive tried to open a checking account and each time I do I keep getting a letter in the mail saying they cant approve me at this time and most of the responses are just as I said they are unable to approve me at the time Ive tried quite a few different banks and all get the Same response Id like to know what I need to do or what the issue is so I can resolve it and try and get a checking account opened. I understand my credit score is pretty low that is due to a few cards I had that showed a high balance that I did not recognize and made my limit over the limit there were charges to my account with my knowledge or authorization. If I oils get a clearer view of what is going on with my information it would help so I can try and fix this and get an account opened up so I can try and pay some of my bills.

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 2022-04-07
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Lvnv funding / XXXX XXXX  after months of them collecting XXXX $ in recurring payments from my account to pay a debt off. I am currently working on my credit and they stated over the phone the amount of XXXX $ would settle the account and a letter would be sent via mail within 7 to 10 business days from the date the payment was made. No letter has been sent and they falsely still have an amount showing on my collection on my credit reports. I have stated to them this has stopped me from bettering my credit and they still choose not to correct the issue.

Company response to consumer: Closed with explanation