BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Rent Recovery Solutions
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:
I noticed they reported a XXXX dollar debt about a month ago. I have tried to email them and call them at least 5 times to learn how to pay the debt. They won't respond so I have no way to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We are military. This has gone on through one move. 
XX/XX/XXXX bought furniture paid in full while living in XXXX, XXXX. 
XX/XX/XXXX furniture delivered in XXXX, XXXX XX/XX/XXXX notified merchant furniture was damaged - XXXX, XXXX XX/XX/XXXX independent furniture repair co. ( XXXX ) hired by merchant evaluate the furniture and deemed it damaged not delivered as agreed- XXXX , XXXX XX/XX/XXXX second independent furniture repair co. ( XXXX ) hired by merchant evaluated the furniture and deemed it damaged not delivered as agreed- XXXX, XXXX XX/XX/XXXX - Merchant offered to re-order and deliver. In good faith we accepted re-order and delivery XX/XX/XXXX - New delivery damaged once again by delivery crew, so we refused delivery. Did not pick up old furniture because crew did not have " orders '' to do so. - XXXX, XXXX XXXX XX/XX/XXXX - Merchant agrees to have old furniture picked up and apologizes for confusion - XXXX, XXXX XXXX XX/XX/XXXX notified merchant in writing that we wanted a refund, nothing else. Merchant said they would not give us refund, we would have to take old broken furniture and pay for delivery since we had refused it. - XXXX, XXXX XXXX XX/XX/XXXX Merchant called to notify us that furniture was back in their possession. 
XX/XX/XXXX sent another email asking for refund and pick up of their broken furniture XX/XX/XXXX filed dispute with USAA credit card, that per XXXX the goods were not delivered as agreed upon. 
XX/XX/XXXX USAA denied dispute stating that the merchant is willing to work with us ( this is not true ) XX/XX/XXXX elevated dispute with USAA. 
XX/XX/XXXX USAA request we contract a furniture expert to evaluate furniture in order to re-open and address our credit card dispute XX/XX/XXXX for {$150.00} XXXX rep came to our home to examine furniture and give us a written report confirming that furniture was not delivered as agreed to and that it is indeed broken XX/XX/XXXX USAA once again denied our dispute because the merchant is willing to work with us. We explained again that what the merchant wants us to pay THEM {$770.00} to pick up their damaged furniture and they will refund the rest of the money. They NEVER put this in writing, it is all verbal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 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 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 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 2022-10-26
Company: Southern Oregon Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I called Fidelity collection service and asked to pay my debt in full. I was given the payoff amount and successfully paid in full over the phone with a XXXX About a week later I received a paid-in-full letter. About another week passes and I get a call from Fidelity while I'm on vacation stating they made a mistake and that I actually still owed them {$100.00}. I told them no I did not and that I had paid in full and received the paid-in-full letter that I was on vacation and would take the call another time. Fidelity is now calling and harassing my employer 's customer service line asking to speak to me about their own mistake.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
2 times this month I tried to mobile deposit a check through citizens bank. They both were labeled fake. The first one was labeled " altered '' and the second pne was labeled " frorged ''. I swear I did not know the checks wouldn't go through. My bank account was frozen on XX/XX/XXXX and is set to be terminated permanently on XX/XX/XXXX. The checks were from a company that just hired me and were supposed to help me buy equipment for the job. They were sent to me as screen shots that I had to print out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
previously sent the 3 social on file ftc was sent theyre taking more than fcra law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: National Credit Adjusters, LLC
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:
National Credit Adjusters is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and XXXX consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXX XXXX and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. NCA is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. National Credit Adjusters is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. NCA did not report to XXXX and XXXX for the month of XXXX due to my dispute directly with XXXX and XXXX, but NCA did start back reporting on XX/XX/XXXX to XXXX. Also NCA is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with NCA validating this debt or provided authorization to NCA to report to my consumer credit reports as well as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moblie deposited a check from the NEW YORK STATE DEPARTMENT OF CORRECTIONS THE BALANCE OF {$530.00} and Citibank told me that the check was fraud. I deposited the check XX/XX/XXXX. And still havent received my money. They closed my account because they said the check was fake and it was fraudulently. I even had my payroll contact the bank. The bank been giving me a hard time and its now XX/XX/XXXX and I still havent received my money. And my account is closed and th bank told me I wont be getting it until they have a verification from where the check came from. Mind you payroll said on there end the check was cash by the bank so if it is why havent I received it and why was my account closed. Citibank is working with me or helping me they just dont care. Ive looked online at review and over XXXX people have this same problem and nothing has been solve. I just dont understand I need help, and I would like to have my money. I just dont understand how my check can be fake or fraudulently if its from the New York State department of corrections .

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 2023-05-10
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company randomly freezes my account and cause serious problems for me and my family. It is my money I will spend it as I see fit and do not need their permission for anything. This is guilty until proven innocent and they deserve to be shut down for abusing their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Convergent Resources, Inc.
State: NC
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 received on XX/XX/2021 and XX/XX/2021 from Convergent Outsourcing Inc. stating that I owed an alleged debt of {$1800.00}. I verbally told them that i do don't owe any debt but they continued to send letter stating this accusation. The reported this alleged debt to the consumer credit agencies, which is negatively affecting my reputation by being on my consumer report and also with out my consent to do so. In theses letters Convergent Outsourcing Inc. was offering me a discount on this debt to persuade me to pay it, along with their symbol being displayed on mail that indicates that they are debt collector is the debt collection business.

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 2023-06-21
Company: EQUIFAX, INC.
State: NV
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Square Inc
State: VA
Product: Credit card or prepaid 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:
About {$2000.00} were taken from my account and they are not cooperating by not investing my claim. I need help getting my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Ive been trying to get my answers from the original lender XXXX XXXX  Ive been lie to mislead for many years and Ive have contacted every gov agency including your agency. And have not been successful. My ex employer and family members are involved and the have been filling wrong unauthorized documents and there are house representative title broker agent involved Ive finally know and have that information and proof of this. XXXX XXXX XXXX the title broker insurance agent was never authorized to work or provide my house with insurance or anything. The XXXX transfer my loan to shellpoint and I believe that there wrongful kicjbacks and they discriminated against me and my household they forced this forclosure and have been retaliating again against me the whole time and Ive have not been able to get reimbursed the fha fees presentations fee inspection fees the insurance fees for fha pmi mi and Hazard insurance thats Ive been paying for years and Ive requested the large amounts in impound and escrow account reimbursed. All the wrongful forclosure fees recorded fees title fees and XXXX XXXX XXXX fees and XXXX XXXX fees and XXXX XXXX XXXX XXXX XXXX fees I want the money and answers of and thes fees and insurance fees reimbursed! Ive believe that my family or ex employer XXXX XXXX attorney has been filing lien and other documents and has stolen my home and now I lost my home to greedy investor and Ive contacted XXXX XXXX to have them give me the informations and answers that I have about the new information that was sent to me from shellpoint newrez Penn financial XXXX XXXX. Theses documents are altered and are falsely reported and lies and I dont know were the actual Came from and no one knows. There large amounts of money inpound accounts and I want reimbursement snd my lien release and my all the money I paid after I was permanently XXXX reimbursement cause XXXX  breached the contract and Ive always paid and they failed to pay my insurance and protect my interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/ i received email from Paypal that i changed my mailing address, and I had closed my account which I did not. I immediately contacted Paypal and informed them that i did not do either of these unauthorized actions. Moreover, the cash balance of {$5700.00} in the account of was also gone. I also called customer service rep at Paypal by the name of XXXX who acknowledged all my issues and sent me an email which opened my case for fixing these unauthorized activities and retrieve my cash balance asap. the case number assigned was XXXX XXXX i did not hear back from Paypal so I contacted them by phone on XX/XX/XXXX but was disconnected abruptly. I called again on XX/XX/XXXX and after another interrupted disconnection and speaking with 3 other agents who could not help me, i finally was able to speak to a supervisor named XXXX who understood my situation finally and told me that she would escalate my case to home office and assigned a new case number XXXX and i would be contacted by email on case status. But nothing happened. I called a day later on XX/XX/XXXX to check on status and finally reached an agent named XXXX who fully understood my situation and said he would initiate stop payment for the unauthorized check drawn in the cash balance amount of {$5700.00} and i would be contacted within 24 to 48 hours. XXXX also forwarded me email that confirm there was fraud activity on XX/XX/XXXX. But again no call back from XXXX. Nothing. So i called again XX/XX/XXXX and spoke to another agent named XXXX who also was able to check notes from my conversation with XXXX and said that the stop payment was not completed so she will initiate again and that i call back within next 48 hours to check status. Bottom line i have made 9 long distance phone calls ( no other way to contact ) since XX/XX/XXXX to report fraudulent activity in my account and now XX/XX/XXXX with no resolution. i want my money regardless if they successfully make stop payment since my money was in their safe keeping and they must protect my money from unauthorized fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are two fairly new debt collections accounts coming from a company called NCA. One for {$430.00} and one for XXXX XXXX They are unresponsive when I try to reach out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This account is reporting inaccurate information.

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