BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: CashRepublic Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
ANY CONSUMER REPORING AGENCY.. 15 US CODE 1681B ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )

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 2023-11-24
Company: EQUIFAX, INC.
State: TN
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'm very aware XXXX, Equifax, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX  Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/2022 {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
WELLS FARGO DEALER SVC XXXX and I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly.

Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion LLC has downgraded my credit score because of a collection account in my name. However, I called the collector and my birthday, social security number and address are all different than the information they have on file. TransUnion claimed they investigated and found that I was the delinquent party. XXXX with TransUnion told me to file a complaint with the FTC, so here I am. This debt does not belong to me. TransUnion claims I owe {$2700.00} to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I also called them, and they have never heard of me. Also, they don't even service this area. I filed my first dispute with TransUnion XXXX XXXX. My latest phone calls were today XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: GLOBAL SOLUTION BIZ LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
There are a few companies involved in this debt collection. 
XXXX XXXX, Global Solution, and XXXX I obtained a loan from XXXX in XXXX, but defaulted in XXXX. XXXX used Global Solution to collect my debt. I spoke to XXXX with Global Solution before XXXX XXXX, and she said that I could pay a settlement offer of {$2900.00} over 3 months. I then found out this week that XXXX had already enforced a UCC lien with XXXX XXXX to freeze my payouts. I have requested a copy of the court order for the UCC lien, but have not been provided one. I also contacted Secretary of State, Comptroller, and XXXX XXXX to confirm that there are no liens pending under my name or the business name. I believe that Global Solution illegally used the UCC form to enforce the lien on my account with XXXX XXXX. I have not been served or contacted by the court for this matter. Global Solution is now telling me that the {$2900.00} must be paid In Full to release the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX was a predator company who offered several automated services for passive investors. I invested in their trucking automation package. I sent them start up money in the amount of {$35000.00}. The money was sent via wire transfer through Truist Bank to XXXX XXXX XXXX Bank. Truist failed to protect me from this 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 2023-12-01
Company: Experian Information Solutions Inc.
State: KY
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 have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediate. 


XXXXXXXX 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 explanation
Consumer complaint received 2024-01-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo closed the case and I had no help. As a customer of this bank, I demand that after all the evidence of fraud that they have given me and I send said evidence to the fraud office, I demand that they be responsible for paying the money that I was robbed, I have several late payments for my son 's school, my credit is destroyed because they do not want to help me, as a customer and American citizen I report once again to Wells Fargo because they do not help me resolve my situation.

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 2024-01-15
Company: WELLS FARGO & COMPANY
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has falsely place a collection on an account that has been paid for over 10 years. This the same debt I filed a complaint about, previously. I keep getting called because my paid off debt keeps getting sold. Ive had no contact with this particular company or I would have offered up the debt satisfaction letter. This is negatively effecting my credit and its bad 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 2024-01-17
Company: Velocity Portfolio Group
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company has refused to comply with validation of debt requests pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Within the 30 day period required.

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 2024-01-16
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Umpqua Bank did not provide the required escrow analysis for our loan XXXX the XXXX billing statement ( XXXX ). They stated that they were " having issues with their vender '', so none of their customers received a XXXX statement or escrow shortage Disclosure statement. 

Umpqua Bank adjusting my monthly payment on XX/XX/XXXX to include the adjusted taxes & insurance increases, as well as the escrow shortage without providing 30 days required disclosures, and options to pay the shortage in cash or request it to be added to my payments. I noticed the increased payments on XX/XX/XXXX when I went to make my XX/XX/XXXX payment. 

I had to call several times to receive the verbal response of, " your payments were adjusted due to an escrow shortage for taxes and insurance ''. I informed them that they must adjust my payments back to where they were until they've provided the required written notice so that I can pay the shortage in cash, if I so choose, only to be transferred to bank supervisors that were not in the mortgage department and had no knowledge and/or access to the mortgage department. 

On XX/XX/XXXX, I finally got someone to email me the required notice as they stated, " these notices should be mailing out to all our customers shortly ''. I have made the escrow shortage payment, and requested my payments be adjusted as the law required, but no reconciliation or adjustments have been acknowledged or adjusted by Umpqua Bank. 

My husband and I have XXXX mortgages with Umpqua Bank and they were both adjusted without the required written notice. Based on the response, I received on this issue, every mortgage within Umpqua Bank XXXX has been adjusted without proper disclosure.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 explanation
Consumer complaint received 2024-01-22
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mars inc- XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX XXXX XXXX ks I moved out XX/XX/XXXX I have email after email where I tried to alert of move out and uploading proof The above did not send me ANY statement until XXXX claiming damage then claimed I didnt move out and continues to change the statements which is fraud the Mars inc that was hired by XXXX XXXX XXXX ample evidence that XXXX XXXX XXXX company did not follow Kansas legislation and can not just change statements to there liking and furthermore the claim is moot due to Kansas legislation that states they have 14 but no more then 30 days from date of move out to give refund or itemized statement they did nothing until XXXX and actually owe me. Even with the proof sent to mars they refuse to take this off my credit report or give me my monies back they actually owe me ( XXXX ). XXXX village continue to disregard laws or even pay taxes and someone has to stop this.when they took ownership they gave no one any information ie new phone new email And doors remained lock also have video and fb posts of others who were unable to contact them they stated they would honor my request that started weeks before XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I entered an agreement XXXX to consolidate an XXXX credit card in the amount of {$22000.00}. My ( XXXX ) monthly payments were made on time each month ( auto draft ) in the amount of XXXX. The agreement was supposed to settled and completed by XX/XX/XXXX. XX/XX/XXXX, they were still taking out the monthly payment with no headway with a settlement. After numerous lengthy phone calls that lead me no where with many different companies ( because they keep changing my account to other consolidators ), I still have an XXXX credit card on my credit report and XXXX, XXXX less money that was pointless. 
I was unaware until today that I could even contact yall to ask about this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/year> I was charged a {$30.00} return check fee by Citi Bank though I called and informed the bank that I was doing a stop payment on the {$700.00} payment from my XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX performed a stop payment and charged me the {$20.00} Stop payment fee. 

I contacted Citi Bank again about the {$30.00} return check fee which they refused to remove and have continued to tack on fees though the account has been paid in full and closed by them. They have harassed me and reported my account as delinquent on my credit, damaging me yet again with their predatory and reprehensible practices. 

They have also charged me {$24.00} in interest on the return check fee. 

There is {$30.00} in fees accumulated on the account between XX/XX/year> and XX/XX/year> statement. 

I also want to dispute the XXXX fee on the XXXX XXXXXX/XX/year> bill that became {$6.00} on the XX/XX/year> bill. This is an illegal fee charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief