BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Consumer Portfolio Services, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CONSUMER PORTFOLIO SVC XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$3900.00} on the DIVERSIFIED CONSULTANT partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1- My name, current address, current employer, are inaccurate and inconsistent on my credit report. 
2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information. 
3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX  added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same. 
5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.

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 2023-03-23
Company: Duvera Billing Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Went to XXXX XXXX, they told me I had 6 months free interest. The interest amount is outrageous. When I called XXXX XXXX XXXX, they stated I do not have 6 months free interest. This is a huge XXXX issue and a lot of junk fees. I am requesting they honor what they have said. 

Furthermore, I spoke with XXXX in Customer Service who is suppose to be a manager. It was the worst call every. Very unprofessional. You can tell they deal with upset customers everyday. They are on defense at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 Elan Financial reported a late payment on my credit. XXXX credit card services switched banks and Elan financial took me off auto pay when they took over. They called me 33 days after my payment was due and I immediately paid it. They even took off the late fee and assured me it wouldnt be a problem. They also mentioned with Covid-19 they had some deferred payment options. When it hits my credit they tell me sorry you were late. Not taking into account they took me off auto pay. Their response was we mailed you a letter even though I have relied on autopay for 6 years! Not fair

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 2020-02-21
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I'm getting three to four calls a day from either XXXX or XXXX about a debt that isn't mine. I've asked them to stop calling me and have told them I will not agree to be robo-called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check in the amount of {$18000.00} in a Wells Fargo ATM, before the deposit was completed I got an alert that the funds would not be available until XX/XX/XXXX would I like to continue, base on the date given I chose to make the deposit instead on take the check to the issuing bank or taking cash for the issuer. Partial funds were release on XX/XX/XXXX with Hold of {$12000.00} dated to be released on the XX/XX/XXXX. I reach out to Wells Fargo several times regard the hold and was finally told by supervisor XXXX that they cant release the funds because it has not been received i should go back to the part t hay gave me the check. I reach out the the issuer and they contacted their bank, XXXX XXXX XXXX, they confirmed that the check in the full amount of {$18000.00} was realease on XX/XX/XXXX and provided me with the reference number. I then call back Wells Fargo and spoke to XXXX in escalations and briefed him on the situation and also provided him with the reference number and his response was it doesnt matter if they have recieved the funds they will not release the funds until the date they set and there is nothing he can do about it. If Wells Fargo has received my money I should be able to access it and not them hold it to invest until they decide to allow me to access it. I will close my accounts after 35 years based on these policies, I don't think are right!

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I typically prefer to pay bills by check, however occasionally it is necessary for me to pay a bill online, either with a credit card or by entering my bank account info. Once the payment is made, I always delete the payment method from the website so that it is not saved. Since 2013, I have paid my mortgaged, serviced by PennyMac, with a mailed check. However, about a year ago, I was not able to get check in the mail in time, and have never had a late payment so I paid online with my bank acct. I selected the ONE TIME PAYMENT button. After payment made, there was not a way for me to delete my bank acct. I could only edit it or add a new acct but not delete. I called Penny Mac and they explained they have it set up like this on purpose so they will have a payment method on file for future payments. Since I requested it be removed, they did so but it took a couple of days because the request had to be submitted to a separate department. 
I am experiencing the same problem again now, however, Pennymac is REFUSING to delete my bank account information. I have made multiple requests in writing ( since XXXX XXXX through Pennymac 's message center on the website, as well as several verbal requests over the phone. At first my requests were answered with instructions to delete the account myself, although the DELETE button that I was instructed to click, does not exist on the loan holder 's end. Apparently it is visible to the Pennymac staff but not to me. I even sent a screen shot to the manager of the customer service department, showing that I did not have the delete option the manager and several reps have mentioned. Now, I am being told they WILL NOT delete my account info even though I have requested this multiple times. XXXX, a PennyMac Loan Specialist tells me through the message center that this is a benefit to me and to " please rest assured your information is secure and safe. '' Is it legal for PennyMac to continue to obtain access to my bank account even after I have requested it be deleted?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase KYC department freeze my account for 3 months, they continue to ask me same question and hold my money for there purpose obviously, several times I asked about to close my account and realized my money to MY VERIFIED BANK ACCOUNT, but they CONTINUE to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank continues to place road blocks to our ability to make payments on our home loan, and then refuses to provide customer service to their customers. I went to make a payment and the login page is different, bank website is different, and my username and password is unrecognized. Is this really my bank? I attempted to contact their customer service and still unsuccessful. I have only 1 week until my payment is due. If I can't make a payment and I can't communicate with the company I am unclear how we do business.

In 2 years and multiple complaints I have had yet to successfully contact even one live person who works for Citizens Bank. I have never gotten through to customer service about my home loans and have never been able to connect with anyone at executive or corporate offices at Citizens One despite all the federal and XXXX  complaints. Lucky for me Citizens One leaves me sitting on hold for hours and hours which gives me some much needed down time to be able to file all these complaints and find other solutions to my problems and questions since Citizens One sucks so bad and refuses to provide support on my home loan. 

Also- Citizens One automated phone system is quite confusing. The recording begins by saying this is an effort to collect a debt. Then the recording goes on to say this is not a debt collection effort if you are in a court case or foreclosure. I am very confused as to what point this stops being an attempt to collect a debt since Citizens One gives conflicting information to their customers. Is it no longer an attempt to collect a debt once I stop paying? At what point does an attempt to collect a debt stop being an attempt to collect a debt? I am so confused and unfortunately I am unable to reach anyone at Citizens One in two years to ask my questions or provide me with any support whatsoever on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax because I was reviewing my report as I am in the market to purchase a new car. I noticed when I shopped for my mortgage rate back in 2021 with multiple lenders, I received a hard inquiry for each one. I had 6 inquires in a 13 day window. I called Equifax because I was concerned about how this has impacted my credit score for my home and upcoming auto loan. I have read on multiple credit sites as well as Equifax 's own website, shopping multiple rates for a new auto and a mortgage loan will only count as one inquiry as long as its done in a certain length of time. I attempted to try the online dispute, but Equifax does not give the option to file for this reason. I tried calling and after receiving multiple unsatisfactory answers by multiple people, I kept asking to have my concerns escalated to someone in upper management. The last person told me they are not going to correct it and they will not keep going in circles with me, despite what is stated on the website. Below I attached the FAQ from Equifax 's very own website.

When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or company requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. 

However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary depending on the credit score model ( the method used to calculate the credit score ) used, but it's typically from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you.

All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will generally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

I asked for confirmation the two incidents where I shopped for my auto loan and mortgage only impacted my score as one inquiry each time and they stated it still counted as multiple inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Their investigation did not fix an error on your report

Complaint:
I requested from Equifax documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Advance America, Cash Advance Centers, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I had a line of credit with them that was setup for autopayments. For some reason they claim that they were unable to collect payment for several pay cycles even though they had the correct banking info. I learned about this after they drafted {$300.00}. So they were able to take {$300.00} out after they closed the account for non-payment but could take the regular payments. They call me between XXXX XXXX almost every day. I have told them they are calling me outside the allowed time and that it is XXXX. They called this XXXX at XXXX my time. I have on 3 previous occasions I live in XXXX  and the time they are calling. On XX/XX/XXXX they call at XXXX and XXXX XXXX. XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I currently have a personal loan with TD Bank for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at TD Bank on XXXX XXXX, 2020 advised there was a computer glitch and TD Bank caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. TD Bank did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my XXXX Credit Report on my own accord.

Company response to consumer: Closed with explanation