BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the rights 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

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 2021-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the XXXX years banking with USAA I have now decided to open another complaint out of great concern after reading the article of their being violated. I am one of those people who had a Restitution payment coming for just one account. I actually have XXXX closed checking accounts USAA refused to give me any information pertaining to or a adequate response after sending emails to the executive office at least ten times, calling over fifty times and writing certified letters for a letter showing zero balances on all checking accounts. I gave them as much information as I have. 
Furthermore, I spent countless hours and days on the phone away from work and school for my son extremely worried what the XXXX their doing listening to their XXXX lies and story telling. They went on telling me they only opened one of my accounts. Another story, they don't know what I am speaking of. I even heard a whopper of a story that XXXX XXXX was the one who was at fault? USAA has been great at putting the microscope on me for XXXX long years. I am a good customer. I see they " pass the buck '' on everyone. 
My deposits as well and holding every dime! The mobile app doesn't say it. If I deposit a 100.00, it used to hold a 100.00. I would buy three money orders for a 100.00 each trying to have some funds registered. Absolutely bananas and I wasn't a check bouncer. My account has adequate funds each month, but I would hear every excuse from the CEO office. I believe this is deceiving as well. It should stipulate this so that I could go put it in at the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: FL
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 have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX XXXX, and Equifax on multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family. 

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, 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.

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

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

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-12-30
Company: Allgate Financial, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter by certified mail receipt on XX/XX/21 to portfolio recovery regarding Not XXXX but XXXX accounts I never was notified of this account or knew about it for that matter by the way. But this is my main point I sent letter certified mail and return receipt ( I NEVER GOT A RETURN RECEIPT BACK EITHER ) image of numbers for tracking are attached. I track letters and discovered they arrived on XX/XX/21 and I receive letters dated XX/XX/21 you dont find that suspicious considering it take 30-45 days to conduct an accurate investigation? So they sent me letters indicating that account # XXXX belongs to me. They letter didnt validate the debt AT ALL on top of that I also inquired about another account # XXXX you may be saying XXXX, get to the point my point is a credit card statement doesnt validate this debt also the company didnt conduct full investigation and they also didnt address # XXXX XXXX therefore requesting removal of account btw I was never noticed about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I noticed on my credit report a collection account for the amount of {$390.00}. So I contacted the original creditor which was FOUR XXXX XXXX  P. as written in my credit report. I asked them why they sent it to collection without contacting me, she took all my info down and stated we haven't sent anything in your name to collection your insurance took care of the balance so I called DEBT RECOVERY SOLUTIONS and explained the situation and she just kept arguing with me I told her to call them and ask and she said no I don't want too. I my understanding false claims on credit report are illegal .I don't really know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Personal information incorrect

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

Company 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 2023-05-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called saying that I owned an XXXX XXXX which has two debit cards attached to it. XXXX charged both of those cards for one account. I tried calling Chime and disputing any charges that were doubled from my XXXX XXXX. On the phone the lady and I could only find two charges and then the call dropped. When I woke up my account was closed. I checked my email and the lady disputed every single XXXX charge Ive made in the last 3-5 months. I never authorized these payments but chime closed my account. I have XXXX XXXXXXXX in that account and have bills to pay, otherwise I will be charged with late fees and possibly a lawsuit from my landlord. They say they will send me the money in a month and a half but I have done no wrong. They can check the recorded call of me and the lady or see that the time of the call was only 4 minutes and 27 seconds. I have done nothing to deserve this or my account being closed. I have been a loyal member who has followed all of the rules, I have only disputed payments that were either legitimate fraud payments or errors from any companies that have given me the okay to contact my bank for a refund. I have not broken any rules at all. I personally believe I have been targeted by the company or an employee at the company by being hit with a bunch of unauthorized disputes so that they could close my account or for other reasons unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
open checking account to help myself manage my personal expensed and small investments on coins. My last deposit of {$75000.00} was questioned me by agents of Capital One 360 checking account. 
then, I sent to a reputable company a wire of {$50000.00} to buy coins and it was returned, and got an e-mail saying that my account would be closed and the balance in this checking account {$73000.00}, would be mail to me within XXXX days ( I got this on an email notification on XX/XX/22. 
Never got the reason or reasons of why. Call them several times, and it has been a month, when I call the agent says that my account is under investigation, but never discuss what kind of investigation. 
XX/XX/22 is been a whole month about this issue, and up to today, Capital one 360 restrictions answers my call telling me that the investigation still on, but account is on restrictions and closed.??? 
where is my money {$73000.00}, if they closing the account since XX/XX/22???? 
what should I do next?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2018-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I lost my debit card and someone got ahold of it and withdrew {$600.00}. I disputed the charges and USAA credited my account {$600.00}. Then yesterday XX/XX/XXXX USAA took back that money. I called them to ask why they took it back they said the fraudulent charges were not fraudulent because the person that used my card used the PIN. The last place I had my card was Do It Best in XXXX XXXXXXXX the same day as the charge of {$600.00}. I noticed my card missing the following day when I attempted to buy groceries at grocery outlet in XXXX CA. This is the fourth time they have done this to me I needed to buy equipment for my job but now that I am {$230.00} in the hole I can not do anything and I am at risk of losing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Personal information incorrect

Complaint:
They will not update my address to my current address and remove the incorrect addresses from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from 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 2018-03-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX  XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MD
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. 

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 XXXX XXXX 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 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 2021-11-23
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX -Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation