BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against Portfolio Recovery Associates. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is 1000.00 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. Portfolio Recovery Associates did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ). 
I was sent a summons though the mail in feburary that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Can you delete these accounts because they are negative and are not mine? 
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 non-monetary relief
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX I XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I bought a used XXXX thru XXXX XXXX, financed by XXXX XXXX XXXX. I have a hard pull showing for this purchase on the same date by Wells Fargo Dealers. When I reached out to XXXX they said that I need to speak with Wells fargo dealers, and they will remove it, in accordance with the FCRA rules on rate shopping for auto loans. 
I spoke to three different people at wells fargo who all transferred me to someone else. The last gentleman I spoke with gave me a fax number and said that there was no way for Wells Fargo could remove this hard credit check ( violating the FCRA guidelines on rate shopping for auto loans ). 

Please remove this incorrect hard credit check from my report. It has already caused financial damage to me as I was denied by XXXX for a XXXX XXXX XXXX this year due to too many hard credit checks. 
I will be consulting a lawyer, as this issue has drawn out and produced nothing productive from either Wells Fargo or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX, XXXX, and XXXX are not properly investigating my claims. I have been saying for years XXXX XXXX and Portfolio Recovery were using illegal tactics to recover on a debt. 

XXXX XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. Portfolio is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Card was placed on hold because of a transfer from a external account that didn't go through. But I didn't authorize the transfer at all. My account has been on hold for two weeks. Everytime I try to call to clear it up they tell me over and over the same thing and will not listen to anything I'm saying. They ask for an statement from XXXX account but I've said so many times that I can't obtain a statement because the account was closed so to begin hacked. XXXX will not send a statement on closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I receive money direct deposit every Friday from my ex husband. I'm just trying to figure out why on holiday weekends, my funds are not posted til Monday or Tuesday. I know it's not on my ex 's end, ( it's his bank ). It's always on time, every other Friday. My ex uses Citizens bank, ( They say it's my bank ). I use XXXXXXXX XXXX XXXX XXXX. My bank says it's Citizens. I'm just wondering if there is anything I can do. I'm on XXXX and live on Fridays money to survive. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I made XXXX payments through XXXX XXXX of XXXX dollars XXXX dollars and another XXXX dollars. later those three were refunded to me. XXXX XXXX  told me that the funds would be available to me on Wednesday XX/XX/2023. They were not available and these transaction did show in my chime account in checking. When the funds was not available to me in chime I then spoke with XXXX XXXX and chime. On Thursday XX/XX/2023 I went to file a dispute on those three charges and many other one which chime has been fixing those but I could not file a dispute on the XXXX, XXXX and the other XXXX dollars that XXXX XXXX refunded me on XXXX XXXX which went back to my bank account on XX/XX/2023 XXXX XXXX and XXXX XXXX said that refund was completed but conveniently those transaction are no long even viewable on my chime checking account. I have been on the phone sending chime proof of all this by screen shots I have been taking this time because this is not the first time chime has done this and there was nothing I could do about it because I did not have proof but this time I have the proof and Chime is not doing anything about this. This is XXXX dollars that Chime has stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion sent me a dispute investigation results letter dated XX/XX/XXXX for XXXX Account # XXXX. The investigations results letter described by Transunion as " accurate '' reports, by them, XXXX chargeoffs for the same account with no known payment history to justify these chargeoffs. In fact, the prior payment history that Transunion describes as " accurate '' is, by their definition, " unknown ''. 

This is completely inaccurate and needs to be fixed. 

Their investigation results letter ( attached ) stated that the investigation results were " verified as accurate and updated '' even though the date updated on the report they sent is XX/XX/XXXX. Furthermore, the information on the report was not updated, corrected or deleted as required by law. 

Therefore, Transunion did not conduct an investigation into my dispute for inaccuracy as required by law. They not verify the accuracy of the information regarding this account or they would not generate a results letter containing unknown information as accurate and updated! 

Like most of my factual disputes for inaccuracy, Transunion has opted to stamp my claims as " verified as accurate and updated '' without conducting an independent investigation.

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 2023-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past XXXX days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I previous had a XXXX account that I closed due to the fact that fraudulent charges appear on the bill. I took the steps by filing an claim with XXXX and reported the charges while the account was still open and no remedy or investigation was started nor did I received a follow up. The charges was placed on the bill and I could no longer afford payment and I closed the account. I contacted XXXX multiple times since closure and reported the fraud with the FTC and through their claim department informing them a representative from they company mishandle my account which resulted in the fraudulent charges. I did not receive a response. Almost a year later a collection was reported on my credit report on from all three CRAs under Credence Resource Management for {$1300.00}. 
I did not receive any communications from the collector prior to reporting. I did not receive any communication notice or a validation notice per the FDCPA rule that regulates when a collector can report the collection. 
I have since disputed the collection and requested validation and I did not receive any notice from Credence. But from XXXX the original creditor. Which continues to request documents that was already provided. At this time I believe my rights are being violated by both companies. This collection is impacting my lively hood and my credit worthiness. I ask that the CFPB, please get involve and help me get a resolve. I should not be held responsible for fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

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 2020-08-23
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested 3 times to have my monthly MI removed form my loan due to it having originated prior to XX/XX/2013 and being at or below 78 % principal balance excluding the upfront MIP. I have received generic responses stating I do not meet the threshold to my first 2 inquiries and as of today I have received no response at all to my last inquiry, submitted on XX/XX/2018 at approximately XXXX. In all inquiries I have requested the balance needed to remove MI if they feel I have not met the threshold and that information was also never provided. It is my belief that Caliber Home Loans is failing to comply with the removal requirements by 1 ) Not verifying the eligibility directly with FHA when my request was made 2 ) In their internal calculation failing to remove the UFMIP from the ltv calculation as required in Mortgagee Letter 00-46 and 3 ) Failing to review the original amortization schedule to assist in determining the principal balance needed for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DISCOVER is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. 

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that DISCOVER would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Bank has taken over my mortgage in XX/XX/XXXX and I was able to reduce my property taxes due to proposition 19 here in california. I received final notice that my property taxes have been almost cut in half in XX/XX/XXXX but have been unsuccessful in trying to get them to adjust my escrow account. First they told me that they would adjust it in XX/XX/XXXX, then I called in early XXXX to find out what day I can expect it to be modified, they told me it won't be until XX/XX/XXXX and that it wouldn't take effect until XX/XX/XXXX. They already owe me XXXX  of dollars due to over collecting on my escrow account even though they have copies of my current property tax rates. I have given up calling them and hope you can get them to reassess my escrow account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Activehours
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I emailed XXXX, as outlined in XXXX terms and conditions and stated that I am revoking authorization for them to use/charge my bank account and use of my personal information. I allowed 2 business days before the date of the scheduled transactions, also outlined in their terms and conditions. I received an email back from them XX/XX/XXXX, which suggested I can pay on a different date or schedule. I previously stated to them that I am experiencing a financial hardship, and understand the debt is my responsibility, but do not wish to speak about that matter at this very moment. The time of their email lead me to believe that they were saying they are not going to comply, and continue to charge my account, so I asked. I recieved an email back on XX/XX/XXXX stating that they do, in fact, plan on continuing to charge my account! I informed them that I have revoked my authorization, and it is illegal for them to charge me at this point ... .I 'm still waiting for a response. Because they have shown this far that they do not plan to comply, I had to pay my bank for a " stop payment '', so they cant take my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX to my Mother in law and it was sent to the wrong bank account due to a typo. I noticed immediately after it was sent and they refused to cancel it or contact the received bank to arrange and fix the account number which was just XXXX number off. This was my rent so I told them I needed this fix immediately and they said it was gon na be solved in half a month

Company response to consumer: Closed with explanation