BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX To Whom It May Concern, My bank has informed me that there is negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing OVERDRAFTS and a CHARGE OFF amount of {$960.00} on XX/XX/XXXX. My bank has informed me that there is negative information reported by XXXX XXXX XXXXXXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing SUSPECTED FRAUD ACTIVITY and a CHARGE OFF amount of {$17.00} on XX/XX/XXXX. 
I have sent out several letters which two of them were Certified and did get a response that those negative items belong to me also know as VERIFIED. Which is not true. I have been a victim of an identity theft and did file a police report with XXXX XXXX, IL police department as soon as I found out about it. Report number will be attached with the rest of the documents. I am respectfully asking banks mentioned above to immediately remove that negative information from my ChexSystems report and clear up this matter. As they have now violated federal law, by not properly investigating within the required time frame, and I have evidence of such.

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 2018-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with TDBank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-03-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I overdrafted my bank account and then the bank helped themselves to excessive fees and refused any leniency after being with their bank for nearly 6 years. The frustrating part here is the WAY it all played out. 

I had XXXX in my account and then my loan payment ( through Wells ) went through for {$100.00}, but was denied. After that, 2 unexpected charges were accepted of {$6.00} and XXXX. So then Wells Fargo charged me {$35.00} each for the overdrafts PLUS the {$35.00} for the NSF check fee. Then, on the back end with the loan, charged me an additional two {$35.00} fees for being late and having a returned check. I called into customer service to ask if anything could be done and they refused. They told me that I could " opt out '' of overdraft protection online to prevent future issues. I told them that in my time with them there was maybe one time where I asked for a fee to be reversed as a courtesy, and let them know that I was on extreme financial hardship and they still refused. I asked at the bank in person and got the same answers. 

Then I went online to unenroll and the entire process was incredibly frustrating and confusing, taking almost a half hour to complete. The website kept taking me to the ENROLL page when I would click on the unenroll button. The pages are vague and purposefully confusing to discourage people from actually unenrolling. To get to the unenroll page I had to agree to enroll first before I could then unenroll, all while being pressured with messages telling me how embarrassing it would be to have my card declined while trying to buy groceries or pay for dinner, which was insult to injury. 

And then today, after I unenrolled back at the beginning of XXXX, I have a pending charge that is over my bank account, so I feel like all the troubles I went through were for nothing.

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 2017-05-30
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I logged into my account like I always do for the last 10-15 years I had these accounts opened except this time all my accounts were force closed by Capital One for reasons they can not give me other than that they wanted to end the banking relationship. I suspect that the closure was due to the fact that I sold a lot of investments and transferred my money from my XXXX accounts into my capital one accounts in readiness to buy a house in XXXX. 

Whatever the reason may be, I am not concerned that they want to close my accounts since there are plenty of banks that would love to have my business. What my complaint today is on how they handle the matters on hand. I had over $ 117K in their which part of it, they just cut a check and sent it out regular mail. I am very concerned that the check will be lost in the mail, and I would have to deal with having to recoup that money. I asked them to stop pay so I can stop by a branch to pickup my money and they refuse to do so. Unfortunately my payroll direct deposit also was supposed to hit the day they closed my accounts, now causing my pay to sit in limbo. They claimed they didn't receive it even though the direct deposits have been posting to my account every XXXX of every month for years and my company has not received a reject either. Capital One really lacks customer service. They need to be held accountable for causing hardships and headaches for their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the third party entity XXXX Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted Transunion and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. Transunion is not cooperating. Transunion and XXXX is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, Transunion has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that Transunion and XXXX Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, XXXX Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given XXXX authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against Transunion and XXXX for damaging my reputation and credit as a consumer.

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 2022-10-03
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference. 
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, XXXX I opened a business account at BB & T in XXXX, XXXX. It was a joint account. In XXXX of XXXX I went to the bank to get copies of the account statement. I was told there was no record of the paperwork completed when we opened the account and therefore they would not release information. I was informed that the account had been closed in XXXX of XXXX without my knowledge or permission. I was told to get an attorney to subpoena the records from XXXX home office of BB & T. I contacted an attorney who stated I would have to file a lawsuit to get a subpoena and it would have to be signed by a judged. I do n't want to sue BB & T and run up a law bill the size of XXXX just to get my bank records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a Complaint against Conn 's. I paid owed a little over XXXX on a charged off dept. I reached an agreement to pay {$53.00} for full and final settlement. I paid it and have a letter stating same. I have bank confirmation of payment and emails from the man I did the transaction with telling me he would take action to get the phone calls, text message and emails to stop. They have continued for 3 months even after I have asked several times for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've tried to submit information to the credit bureaus but I'm not getting a response at all.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent in a dispute letter XX/XX/XXXX and havent received a response. Im disturbed by the incorrect information on my profile. Payments are not up to date and i have missing and inaccurate information on there. Which is all explained in my dispute letter. However it been over 30 day and I havent received a response.

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 2021-08-25
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've tried to submit information to the credit bureaus but I'm not getting a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
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:
I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation