BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
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:
15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Trans Union for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Trans Union about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Trans Union I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies

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 2023-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm currently unable to access my USAA checking accounts in which my salary is deposited. The account is tied to a phone number I no longer have access to therefore I'm unable.to authenticate using the number. I contacted USAA on XX/XX/XXXX and explained this. I was told to submit my ID and I would be contacted within 72hrs. I submitted my ID successfully. On XX/XX/XXXX and XXXX I reached out to USAA to inquiring about their recovery team 's outreach. On XX/XX/XXXX I was eventually told to call back later because the rep couldn't assist me. I provided SSN, the original phone number, the email on the account, and DOB. On XX/XX/XXXX I was told to resubmit the Govt ID bc the recovery team hasn't contacted me yet and that would introduce another 72hr wait time putting me at one week without access to my bank accounts. The rep said should couldn't contact the recovery team nor transfer me to anyone that could help bc she couldn't authenticate me. At this point I can not access my money and USAA has not provided any solution for this type.of problem. I do have an email address on the account but USAA will not send the security code to it for authentication..I have several bill payments coming from that account and I can not access any of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I gave 60 days notice to XXXX XXXX at XXXXXXXX XXXX XXXX that I would not be renewing my lease upon expiration on XX/XX/XXXX. I moved to my new house in XX/XX/XXXX, and continued to pay rent in my vacant apartment through lease expiration. A scheduled walkthrough was performed on XX/XX/XXXX with the maintenance manager, and the only damage he noted was the replacement of the stove 's drip pans for {$15.00}. I signed paperwork to be billed the {$59.00} carpet cleaning fee and turned in my keys. In XX/XX/XXXX, the property manager sent me a nondescript photo of carpet padding with a wet stain and an invoice showing my deposit was withheld and a {$280.00} charge towards the cost for replacing all of the carpet in a XXXX XXXX sq ft apartment. Since that time, I have disputed my deposit being wrongfully withheld with management and XXXX. They have chosen to not resolve this issue, therefore, I advised them that I would be taking legal action. I received a notice from XXXX  that my credit score dropped 30 points. Hunter Warfield, a collection agency in Florida who has never contacted me, or made any attempt to collect, or given me an opportunity to dispute such debt, has reported this to the credit bureau and ruined my credit, even though I am the one owed money. I have photos and videos that shows the apartment was left in pristine condition. Notably, I was never charged the {$15.00} for the drip pans, although my photos show they were tarnished and unusable for a new tenant. This was an act of retaliation and in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. 

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. 

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. 
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. 

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: ZIONS BANCORPORATION
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: Problem with personal statement of dispute

Complaint:
Bank Instituted a new review process for existing credit card holders and although my payment history was unblemished. The bank elected to close out my credit card without giving me the opportunity to pay the account off first ( they snail mailed a letter on XX/XX/XXXX, a Friday and closed the account on XXXX the XXXX, a Wednesday ). This resulted in the account being reported as " closed by credit grantor, with an outstanding balance '' which immediately lowered the joint account holder 's credit score by 50 points. While I understand that the bank has the right to revoke our relationship based upon information obtained from outside sources ( third party credit reporting agencies ). My contention is that the bank should have provided us with an opportunity to pay the account off and close it prior to reporting derogatory information to the bureaus.

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 2021-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit with Citizens Bank NA on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank NA made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Square Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
CASHAPP is a horrible company. I thought my money was safe. I thought my investments were safe. I had about {$300.00} in bitcoin sitting in my cashapp. Also about {$50.00} cash sitting in the account. One day XXXX XX/XX/XXXX ) I got an alert saying thank you for your XXXX $ purchase of bitcoin. I said HUH? Then I go to check and it said I was logged out of cash app. Someone hacked into it. Then after hours of trying to gain owner ship again, I seen that hackers took my original XXXX plus the new XXXX $ of bitcoin and sent it to their account. Very sophisticated scammers apparently. I personally believe this seems like an inside job because of the convenience and intelligence of the situation, also the commonality. It happens to quite a few people for small amounts but this was XXXX XXXX I was on the phone emailing, waiting for call backs for weeks. Here we are 25 days later and still no response. They always respond with a generic long email asking to fill out 10 questions which I answered already 6x. No moving forward after that 1 email. I give up. I take the loss I guess. Your money is not safe with cashapp/square company I guess. All I wanted was them to see where this money got sent to. I dont think that is too much to ask?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
PURSUANT TO 13 USC 1690, 1691 ( a ) AND 12 CFR SECTION MARK 1002.4 - 1002.7, AND 15 U.S.C 1691 ( k ), AND 15 U.S.C 1642, AND 15 U.S.C 1681 ( m ) Denying me access to my credit is discrimination. I applied for a credit card on XX/XX/XXXXXXXX XXXX XXXX and got denied. Regardless of the reasons for being denied, I have the right to my credit. Withholding my access to my securities is security 's fraud. Chase Bank is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, they must retract my application. 

Thank you, XXXX, XXXX Attorney-in-fact for : XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Velocity Portfolio Group
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had turned my Credit cards over to the XXXX XXXX XXXX XXXX. Somehow CKS Prime Investments had obtain one of my accounts and posted a collection on my credit report. The first one was for a $ ) amount and another one for {$630.00} amount. I have received anything through mail or phone call from this company. All of my credit card amounts are paid in full through the XXXX program. This a false account on my credit reports.

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 2020-02-20
Company: Amsher Collection Services, Inc.
State: UT
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:
Amsher Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
7 fraudulent transactions were made on 7 consecutive days, each for the amount of {$980.00}. They were made in California, apparently using a chip credit card XXXX Bank of America ) owned by my wife 's sister, who lives in Virginia. The sister was in Virginia during the time the frauds were committed. We have proof, including a receipt of a transaction she made on the first day of the fraud. We also have proof that she was in possession of the card during the times of the fraud, and that she didn't loan her card to anyone before, during, and after the frauds were committed. After several months, We received, from Bank of America that Thay have concluded that we were responsible - based on their conclusion that the card was used by my wife 's sister because she apparently also keyed in the cards pin number. Bank of America provided not additional information as to their investigation into this issue. During this time we provided to them all of the information and proof we had. They did not cooperate with us, such as detailing their investigation. That simply mailed us a letter that was an exact copy of their first resolution. We are currently waiting - after 2 months for their third resolution, which we know will be the same as the first two letters. What can we do to resolve this issue?

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 2023-07-18
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
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:
While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I  XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX and Experian has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

XXXX and Experian has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand XXXX to remove this fraudulent account XXXXXXXX XXXX  account number XXXX XXXX has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXXXXXX XXXX has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section 1 XXXX XXXX - most be removed from my report as well immediately due 15 U.S.C. 1681 C- XXXX XXXX XXXXXXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1

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 2021-08-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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