BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: BANK OF THE WEST
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
This is the third month my bank has been charged for seven overdrafts even though it was only suppose to be one. I attempted to correct it before hand and they would not allow me, they say they where informed by a hire up to do this to my account. Also this same bank has disable other accounts attached which i could have tranfered from to correct this issue. This has lead my account to overdraft for about {$4000.00} worth which have caused my living situation to be henderd. I ask if possible can the bank correct this mishaps and fire everyone who was involved in causing my account to be abused. 2022 Bank of the West | NMLS # XXXX | Member FDIC | Equal Housing Lender Doing business in South Dakota as Bank of the West California, Also the account is not private when going in threw my home computer!

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 2023-02-25
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They send me emails every day now that they can only call every 8 days they will send to attorney. They send emails with things like your future is inevitable pre legal track

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I asked XXXX and Experian for a investigation for XXXX XXXX XXXX  XXXX  and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud

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 2020-11-09
Company: Resurgent Capital Services L.P.
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:
To whom it may concern : I ( XXXX XXXX XXXX have reviewed my credit report and see that your company has listed an account XXXX XXXX XXXX bank card XXXX on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. I have never had an account with this company nor have I did any business with this company.

Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you.

Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's 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. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX  Account ID : 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 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, 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 an account without my written instructions

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 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 I applied for a pre approve offer with Capital one which I was approve.I was checking my credit reoprt ( s ) with XXXX and XXXX I noticed that this offer ended up being inquiry which it did impacting Capital One ad clearly states it wouldn't impact my credit score which it did. My XXXX score dropped by 10-15 points as did my XXXX score. I called Capital One they informed once submitted all personal information that was listed as credit card application which the ad didn't stipulate that on the pre-approve application. When I spoke with XXXX they informed me that matter would have to resolved through Capital one The add clearly states this is not application nor will it impact my credit score which is entirely untrue.MISLEADING ADVERTISM clear and simple!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citibank Financial services is claiming that I have serious delinquency on my XXXX  Credit Report, but I have no serious delinquency accounts or collections accounts. Citibank has and will not answer my phone calls. I have contacted XXXX and XXXX, and they have no information regarding my accounts being late or charged off. I spoke to XXXX at XXXX and they were incredibly rude and absolutely refused to give me the identification number for the call and continued to degrade and offend me. They had a serious attitude and would not help in anyway. They tried to connect me to the disputes department multiple times and I said I did not want to talk to them until I obtained the identification number.

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 2023-08-27
Company: Experian Information Solutions 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 submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/23 meaning that Experian 's deadline to respond was XX/XX/23 but Experian did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.

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 2023-05-18
Company: RentDebt Automated Collections, LLC
State: FL
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:
I lived at the XXXX XXXX XXXX in XXXX, LA for over 10 years. In XX/XX/XXXX I gave XXXX XXXX XXXX  a written notice of my intent to vacate the property on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX gave me my final bill. I inquired at that time if there were any additional information I needed to submit and if there were any anticipated barriers or issues that I need to address. The manger informed me everything was in order and her exact words were, You are good to go. I spoke with the manager again on XX/XX/XXXX to TRUST BUT VERITY to ensure there were no anticipated barriers or issues relating to my XX/XX/XXXX move out date, and the managers response to me exactly was We already got your apartment rented. 
On XX/XX/XXXX, the military moved me out of XXXX XXXX XXXX to XXXX, FL, where I am still residing. I never received any further correspondence or telephone calls from XXXX XXXX XXXX after vacating the property. But in XX/XX/XXXX, well after I moved out of the XXXX XXXX XXXX, I noticed a collection account on my credit report from RENTDEBT AUTOMATED COLLECTIONS, on behalf of XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX to speak to management, since I had lived there for over 10 years, to ascertain why this collection account was on my credit report. I was informed that the property manager was busy and would return my call later. I never received a return call from the property manager. Instead of receiving a call from the XXXX XXXX XXXX  property manager, I received a call from RENTDEBT COLLECTIONS. I told the RENTDEBT COLLECTIONS representative that THIS IS NOT MY DEBT and requested to receive correspondence via the U.S. Postal System regarding the collections account, as this collection account was placed on my credit report without my knowledge. I did not receive any correspondence from RENTDEBT COLLECTIONS until three months later XX/XX/XXXX after I contacted CFPB. I believe if not for the CFPB, I would have not received any information about this collection. I have attached copy of my 30 plus day notice to vacate, copy XXXX XXXX and copy of Louisiana Laws Rights of military personnel to terminate lease. 

Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The XXXX facility that violated my rights are and the agencies they sold my XXXX to are : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are XXXX ( XXXX ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is Professional Placement Svcs ( Professional placement svcs XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery calls me from what it looks like.. Landline ( same area code as well ) I ask politley may Inask who is calling. Thru refuse to tell me. 
Om this certain call I was at work. In the middle of selling furniture to a family. 
I knew it was them because they always say ms. XXXX. Im not able to tell you that. She still cant tell me who it is. 
She said I can not disclose this info. 
I said well if you tell me what it's about maybe ill tell you who I am. Other than that im at work. This is rude to my customers. Im paying paralegals to yske care of this. It not supposed to eben be calling me. She said ms XXXX its portfolio recovery. I said im at work. If you can wait til im done with this sale. I can make a payment she was so adamant about tellimg me itll be quick. 
So i said I can't do anything. I tried if I miss this sale I can't pay yall nothing. 

My mom got pressured into getting it tsken outnof her XXXX check. Which is illegal. 

Then sent letters to XXXX mom sister amd me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within four business days. 

The following inquiries are not associated with any active accounts that I have authorized : 1. XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX - Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 6. XXXX XXXX - Inquired on XX/XX/XXXX 7. XXXX XXXX - Inquired on XX/XX/XXXX 8. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 9. XXXX XXXX - Inquired on XX/XX/XXXX 10. XXXX - Inquired on XX/XX/XXXX 11. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 12. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 13.XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

Sincerely, 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 2023-06-12
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
We are been victim or scam trying to use XXXX, in the year of XXXX. Using an app XXXX XXXX XXXX, we believed that everything was real because we open an account with them and begin to transfer money from our bank XXXX in Utah to the platforms, Coinbase, XXXX and XXXX, is a process we wire the money to Coinbase, then we have to use coinbase to transfer the money to a long adress that have numbers and letters and then money appears in XXXX XXXX and then suppose buy XXXX. 
We lost XXXX {$190.00}, we are paying debts now, because we fell for these scam, we use all our savings. 
The story is longer than these, these people are really convincing that they now what they are doing and that you are investment and everything is legal. 
If you want i can write with detail the story because is longer, so you can publish, i really feel stupid for believe, but something in my mind keep telling me something is wrong, so now i listen my brain voice. 
We write a letter to my bank, no good answer, we send letter to Coinbase, XXXX XXXX answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checked credit report and had a collection account listed by MRS BPO , LLC in the amount of {$160.00} Sent MRS BPO , LLC a letter on XX/XX/2023 via priority mail. 
Received confirmation that letter was delivered via priority mail. 
File a dispute with XXXX concerning the collection account list by MRS BPO , LLC on XX/XX/2023. 
XXXX completed investigate on XX/XX/2023, and no information to verify debt was provided. 
Filed a compliant with the Texas Attorney General 's office on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
`In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation