BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/2019 and Wells Fargo stated the hold will be 7 dayis time, which is highly unusual. The amount of the check was a large amount, however, Wells Fargo lied to me on XX/XX/2019 and I spoke to a XXXX XXXX and he stated that the check did not clear when it did clear and they had the funds but did not deposit the funds into my account until 7 business days later which means they kept my funds for over 10 days even though they had cleared and cashed the check from the issuing bank the next business day. I came back to the branch on XX/XX/2019, and spoke to the branch manger, XXXX XXXX, and he stated that they will not give me my funds but they waived my overdraft charges. When asked why waive the charges, he stated he was doing this out of common courtesy and not bank policy which is another lie.I want to inquire about these fraudelent practices of holding funds and not giving the funds to the account holder even when the funds were available to the bank.

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 2018-11-04
Company: Rubin & Rothman, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by 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 2020-02-11
Company: PNC Bank N.A.
State: FL
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:
My loan was refinanced and paid off with PNC Bank in XXXX. They did not properly release the electronic lien to the State Of  Florida so that I could update to my new lender. When I found out I was defaulting on my loan with my finance company due to this, I immediately called PNC Bank. This was on XX/XX/XXXX. They said there was an error on their end and it would be fixed within a week. It is now XX/XX/XXXX and the error is still not fixed and I am defaulting on my new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I asked for a bill showing what I owe when I saw a medical debt for {$770.00} on my credit report. The bill i received dated for XX/XX/2019 shows it has a {$0.00} balance with nothing due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: CO
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 noticed my credit reduced due to a loan with XXXX XXXX. I never took out a loan, and have no knowledge of this loan. Not only did it negatively affect my credit, but I'm worried this is a matter of fraud and larger concerns may be of risk. Please reach out asap to help. Thank you.

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 2019-11-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Santander doesnt work with 3 rd party integrators like XXXX and 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 2022-06-15
Company: U.S. BANCORP
State: GA
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:
Im making a claim against US Bank. 
On XX/XX/2022 I called my lending institution XXXX XXXX to find out why 4 of my recent payments had been returned or stopped to my credit card company US Bank. XXXX XXXX said the funds were available on the day I made payments to USBank on all 4 occasions. I asked why they stopped the payments and they said it was done on US Banks side, that they did not do it. Then yesterday I made made 1 payment and was charged 3 times for amount I was paying by clicking the payment button 3 times for the amount 3 separate times in a 10 min window. I called US bank and the customer service rep XXXX said she was sorry but all three payments would be posted to my bank account and if they didnt clear I would have to pay the returned payment fee, the extra interest and more. Then said she was sorry. I would like someone to help me with this. I am very careful with my credit cards and believe I am being scammed by US Bank and their app technology and more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: Navient Solutions, LLC.
State: IL
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:
As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received call from IQ Data International about a debt I had no knowledge of, representative was very aggressive toward collecting it. I informed him I had no knowledge and asked for verification, which he became more aggressive and abusive. I received a very vague statement of the debt after sending a letter for verification, the company used the term rental reimbursement multiple times each with different amounts listed. Sent second letter for clarification about the vagueness of the verification, which went unanswered. They have placed this on all my credit bureaus and increase the amount monthly of what I owe. But have never verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX i submitted a dispute to Transunion and XXXX  disagreeing with the validity of a bankruptcy on my account. I sent letters and have not received any notice of any findings with in thirty days which is a violation of the fair credit reporting act.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. what i used to dispute this information on 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
Consumer complaint received 2022-01-05
Company: I.C. System, Inc.
State: ME
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 was reviewing my credit report the other day and noticed that my XXXX score had dropped several points. I check my credit reports 2-3 times per week and receive email alerts with any changes in my credit file on all 3 credit bureaus. This score decrease came out of nowhere, so I started investigating. Upon examining my report in search of what may have caused this sudden and unexpected drop in my score, I discovered that a collection account had been reported by IC System claiming that I owe XXXX XXXX XXXX {$1100.00}. First of all, I have NEVER EVER had an account with XXXX XXXX XXXX XXXX EVER. Secondly, this collection was REINSERTED into my credit report after it had already been DELETED OVER A YEAR AGO because it was incorrect and false reporting. Now, over a year after it was deleted from my credit reports, it is suddenly making a reappearance and decreasing my scores. THIS IS NOT ALLOWED. You CAN NOT reinsert a collection account into somebody's credit report AFTER it had already been deleted by the credit bureaus due to it being INCORRECT as I DO NOT owe this debt. I will NOT tolerate this slanderous, defamatory, and FALSE information on my credit reports. I work EXTREMELY hard to maintain an excellent credit rating and my wife and I are in the process of preparing to build a new home, so I will NOT allow some bottom feeding, money hungry collection agency to SLANDER my good credit with FALSE information and interfere with MY life plans. 

Again, this collection account was DELETED from my credit reports by the credit bureaus over a year ago because it was being falsely reported as I have NEVER done business with XXXX XXXX XXXX or XXXX ( credit bureaus do not delete collection accounts without valid reason ) and now these people from IC System are reporting it AGAIN after it has been long since deleted from my credit reports, which is NOT allowed. 

If this slanderous, incorrect collection is not IMMEDIATELY removed from my credit reports, I will be proceeding with legal action and will be seeking monetary damages from IC System for REPEATED false credit reporting. This CFPB complaint is just the very first action that I am taking in order to allow IC System a brief widow of opportunity to rectify this very serious matter. Otherwise, I can promise that I WILL be taking much more drastic action against IC System if this slanderous collection remains on my credit reports. A screen shot of this collection from my XXXX credit report is attached to this complaint.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: SC
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:
I made a dispute with Experian and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

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 2022-06-15
Company: LEXISNEXIS
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in this complaint. I sent letters to LexisNexis the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them and I have proof that they receive the letter on XX/XX/2022. That means LexisNexis has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR DELETE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Cedars Business Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedar Business Services LLC is claiming that I owe them {$5900.00}. Have requested multiple times that they provide me with the details, who authorized this transaction, whom it was paid, any written authorization these transactions in their possession. All the receipts, statements, agreements any other record pertaining these transaction. So far they have failed to provide anything related to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: Investigation took more than 30 days

Complaint:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2017-09-12
Company: EQUIFAX, INC.
State: MO
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: AES/PHEAA
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:
I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. Fed Loan Servicing has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and XXXX  have fixed some of them but XXXX  has not fixed any of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Between the years of XXXX, XXXX engaged in unfair, deceptive, and illegal practices by implementing a scheme to misallocate my loan payments toward interest rather than toward paying off the loan principal, misdirect payments towards loans with lower interest rates, and improperly impose capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: U.S. BANCORP
State: IL
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:
I did not purchase Air line tickets from XXXX XXXX XXXX XXXX a phony travel agency for {$580.00}. 

My US BANK Account ending XXXX was charged. I disputed it with U.S. Bank see attached XX/XX/2021 document. 

In a boiler plate letter dated XX/XX/2021 from US Bank stating that " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. 
Unfortunately, you did not cancel the merchandise prior to the date of the transaction. '' My dispute had nothing to do with merchandise. The dispute was based upon a fraudulent air line ticket charge to my U.S. Bank Card ending XXXX. I did not order the airline tickets for {$580.00}.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX .... Date Opened XX/XX/2020 XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions Inc.
State: MD
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 have multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business 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