BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: BB&T CORPORATION
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Im a former resident of XXXX XXXX   Ive done business with the XXXX Fbi since I left XXXX XXXX XXXX  we were all in a class we left with information from being released discharge my home address there was XXXX XXXX XXXX, XXXX, XXXX  XXXX and I live at XXXX XXXX XXXX XXXX XXXX  XXXX I change my address to XXXX XXXX XXXX, XXXX, XXXX XXXX Ive been receiving problems from XXXX XXXX XXXX XXXX XXXX  XXXX My auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX XXXX  auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX birth certificate to compromise a payment with the XXXX Fbi tried to give me through FDIC thats been writing my bank over and BB & T banking and trust the payment was stolen please contact me at XXXX my website is XXXX XXXX XXXX you can contact my phone Early in the morning like XXXX to  XXXX Pacific standard time you can also contact my father XXXX XXXX at XXXX his email is XXXX  XXXX I have already reported this to The federal trade commision I called the FBI this side of the family isnt Being honest at all thats all they do is steal everything they see so could you give me a call XXXX 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit 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 non-monetary relief
Consumer complaint received 2018-07-24
Company: Regional Management Corporation
State: OK
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:
On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Company sent settlement form with an amount to be paid of {$220.00}. Form says it will reflect on my credit report as paid in full but that is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was contacted on XX/XX/2021 by individual, " XXXX XXXX, '' representing himself as XXXX with XXXX  ( digital currency provider ). He stated that their system indicated my bank account had been compromised, and that he was going to help me resolve the problem. He proceeded to have me download software onto my device which he then used to enter my bank account. He spoke very fast, professionally reassuring me that he was saving my account, performing activities in my account so fast that I could not follow. While he was reassuring me he was saving me from fraud, he was sending my money through XXXX, actually stealing {$6000.00} under my nose. 
I was notified by Bank of America of the fraud, told they intercepted the exchange, and that they had my money, all was well. 
On this date, XX/XX/2021, Bank of America informed me that my claim was being denied due to lack of evidence, that my money would not be returned unless I provided evidence of " spoofing or porting. '' My phone provider, XXXX, can not offer that information. 
I have filed a consumer report with the FTC, which then also referred me to this website. 
I would appreciate any help at all. 
Thank you. 
XXXX XXXX XXXX e-mail : 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 monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

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 2022-07-12
Company: Security Credit Services, LLC
State: TX
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:
On XX/XX/XXXX I received notification from the credit bureaus, XXXX XXXX, XXXX, and XXXX that I had a collection account added to my consumer credit report from Security Credit Services. This collection company never communicated with me via, mail, phone etc. about anytime of collections with the original creditor XXXX They have violated my rights as a consumer based on 12 CFR 1006 f ( 30 ). This states they must contact me and give me the right to dispute any collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX loan transferred from XXXX XXXX XXXX. We were current with no late fees or fees of any kind on the account, have statements to prove it. 

XX/XX/XXXX received 1st statement from BAC homeloans stating we owed XXXX additional fees from previous servicer. There was NO nexplanation of what these fees were for, was not able to get any information at all what these fees were for and what generated them. 

XX/XX/XXXX call to make the monthly mortgage payment, was told we were behind in the mortgage payment and didn't allow me to speak to anyone until I made the past due balance from XXXX. Mindyou, the account WAS transferred in XXXX and there was NO record of us any longer with Shellpoint and no record at BAC so I could NOT make my payment on time. 

XX/XX/XXXX, " corporate advance fees '' is what I was told were added and disputed to have these removed which will take 15 days, reference number XXXX. 

XX/XX/XXXX, received XXXX statement with the " corporate fees '' still showing, was never dealth with from previous call in early XXXX. 

Many years ago, after the countrywide scandal and bank of America received a government bailout, we were supposed to be included in the Bank of America Debt Settlement Program. This was supposed to be paid to millions of home owners. This was then hushed away, the phone number disconnected and I could not get any further information about this program. Millions lost their homes. 

XXXX I requested documents of the Debt Settlement Program, have been stonewalled, dismissed whenever I asked about it. 

I also asked to physically " SEE '' an original, unaltered Deed of Trust to be provided to me, with a member of Bank of America, the XXXX XXXX XXXX  XXXX ( trustee ) and to meet me with this original Deed of Trust. My requests were dismissed, I was given the runaround, was told XXXX  XXXX didn't house this, BAC did and BAC said they only had a copy. 

XX/XX/XXXX, Was just told today, BAC only has copies of the Deed of Trust. 

I have previously complained to the CFPB about Bank of America, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX these records should be on file for further reference regarding the shady banking practices, excessive, unexplained fees.

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 2023-11-28
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent letters on XXXX XXXX and XX/XX/ - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXXXXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/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 non-monetary relief
Consumer complaint received 2019-04-23
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Vehicle has had issues since the we received the car, car and never gave option given the first issue regarding the steering they requested chance to have it repair while this ran up time with the return warranty, therefore once the vehicle was received back from manufacturer it wasnt able to be returned. Feels as if they set me up. They never offered to trade it for another car. Regarding last complaint this was offered. To trade in the vehicle. If there is a trade in option on the table They need to send proper paper work and start this process or have manager handle this issue professionally as the experience hasnt been the best. Company is lying, my requests were denied I have records of everything. The vehicle was never accepted to be returned even upon receiving it and issue being recognized while receiving the car. This is my last formal attempt, to mediate and get the issue resolved. Caravana is very negligent while resolving issue regarding their own personnel handling costumer issues. The car was never accepted to be returned again If you want the vehicle taken as a trade in send me paper work but the funds for vehicle must be covered close to what is was bought for and the next car will be heavily inspected. Just need this issue fixed this is not fair at all, given that we were proactive with everything and in time frame. We feel as if it might of been maybe issue with representative not handling the issue as it should of been at a professional level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX ( Act # : XXXX ) has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-01-07
Company: Evergreen Moneysource Mortgage Company
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have been providing XXXX XXXX and XXXX XXXX XXXX of Evergreen Home Loans every bit of information requested for months. Specifically and the latest incident is that our loan was declined due to the fact our rental property has not been rented for at least a two year period of time. When we inquired as to why they were telling us this only now when we furnished the rental property information months ago, their response was " lending requirements are always changing ''. In fact we learned that this has been a requirement of the USDA since 2016. Meanwhile, we have to forfeit a deposit we put on a manufactured home at the request of XXXX XXXX, a loan processor for this company to enable her to obtain a copy of the sales agreement in the amount of {$2500.00}. The evidence backing this complaint is in the form of numerous emails we will be happy to forward upon your request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this collection account before, and I asked Peter Roberts and  associates, inc. to provide me the original contract bearing my signature in order to validate this debt, all they have done is send me a letter by USPS telling me that the debt was verified with the original creditor. I think they shouldnt have a problem providing me the original contract that they claim I signed, they also included copies of what they used to validate this debt and according with the federal law and the FCRA, that is not enough to validate this debt. I want this debt validated the correct way, meaning that a contract was signed by me with either the service provider or with peter Roberts and associates, inc. obligating me to pay a debt that hasnt been validated. Delete and expunge all of the accounts that you have in your files and also remove them from the credit bureaus. As a consumer I have every right to ask for the original contract bearing my signature. Also the hospital where it says that this was done has shared health information with peter Roberts and associates, inc. and that is breaking the hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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