BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XXXX to XXXX XXXX, and Experian regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the XXXX data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items 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 explanation
Consumer complaint received 2023-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debts have repeatedly been disputed with XXXX Bank. 
I have requested documents, validation of debt and verification of debt to be sent to me according to Section 609. Documents have not been provided. This has been an ongoing dispute. I am requesting the letter attached and sent out again be answered as it has been more than 60 days. 

Attached Letter sent to XXXX Bank XX/XX/XXXX XXXX sent to XXXX company who did not validate debt and court case was dismissed in XXXX. 

As quoted In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. 

Please provide the following : What the money you say I owe is for ; Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor ; The statute of limitations has not expired on this account ; Show me your license to collect in my state ; Guide me with your license number and Registered Agent. ( XXXX ) These debts are being resold to different collection agencies who are NOT validating debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Colorado statute XXXX " No security deposit shall be retained to cover normal wear and tear. '' Two years ago XXXX XXXX  attempted to charge me {$170.00} to bring the apartment up to move-in-ready condition. I disputed the charge and XXXX XXXX  dropped the issue since we both knew that {$170.00} for a paint crew plus cleaning crew, clearly the apartment was left clean and without damage or it would cost more. Their own pictures show very minor wear and tear for living at XXXX XXXX  for about 5 years. XXXX XXXX  was sold and now 2 years later, the new landlord, without any notice to me, sent the bill to a collection company who has damaged my credit report by claiming it is past due. I noticed my credit score drop and had to find out why. I informed them the bill was illegal and they responded that my only choice is to pay or my credit score will continue to decline. Holding my credit hostage for an illegal bill is " False Credit Reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed some items on my XXXX, consumer report. They were mailed off on XX/XX/2023, by Certified mail, and was received by agent XXXX XXXX at XXXX. The documents were received on XX/XX/2023. 30 days from the receive date was XX/XX/2023. As of Today, XX/XX/2023, I have not received any response from XXXX, and today marks 35 days. 

Experian-I disputed items on this report, because they have not did anything. They did not remove any old addresses, They did not do any investigations, and provide me with names, and phone numbers, They did not remove inaccurate information. They just put updated for everything,

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Owed : {$3000.00} ; XXXX  XXXX Balance XXXX : {$1700.00} ; XXXX XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.

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 2023-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I contacted Coinbase via their web site and I was not allowed to call them as they do not allow phone conversations, so they chatted with me online through their system. I went through their verification process asn they told me that the information provided was not good enough, so they sent me a link to click on to givwe them more information, and it would not work when i clicked on the link. So i tried to get a hold of the again and they have blocked me from communicating with them moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) USAA CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to USAA FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX  XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of 2020 my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to USAA and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with XXXX XXXX XXXX and the FBI. USAA never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. USAA NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX  XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing USAA AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV XXXX I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what USAA has done to me.

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: OneMain Finance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. 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  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

My father, XXXX XXXX, applied for a loan with this institution. He went through a lengthy process for a complaint from a previous issue with the loan. Then, he apparently just went back to them within the last 2 months and applied for a loan. He was granted a {$15000.00} loan for a lawyer while on XXXX only making {$2500.00} a month in income and divorcing my mother. Not sure what he used as collateral, but I'm making {$75000.00} annually and they granted him a large loan and he will be unable to actually pay it soon. 

I'm not in my situation by choice. I didn't create this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They call daily making threats, sometimes call and dont say anything. The debt was sold and charged off. Sent to collections without my knowledge of knowing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Unresolved Funds Transfer Issue. 

Dear Consumer Financial Protection Bureau, XXXX XXXX  Routing # : XXXX XXXX XXXX  Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. 



I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX  account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX  account to my Union Bank Account ( XXXX  with XXXX ). This transaction occurred shortly after the merger of Union Bank  into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. 

In my pursuit of resolution, I have engaged in communication with both XXXX XXXX  and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX  confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. 

My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. 

I provide both bank statements in this complaints. 

Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. 

I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. 

Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. 

Sincerely, 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 2018-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not able to find my credit file and there is no problem pulling it from XXXX and Equifax. I have credit history of 8 years with mortgages, car loan, and 8 credit card. 
I have spent total of 150 min with them on phone with resolution except them saying you do not exist!. I am in process of buying a home and can't close until Equifax can provide me my credit report. 
Also, I use XXXX XXXX for personal use and they pull data for Equifax and its visible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage through citizens one. I have been furloughed from my job at our local XXXX in XXXX Pennsylvania since XX/XX/2020. I have never missed a payment. In XXXX and XXXX Pennsylvania had issues where they could not pay unemployment for two months. After I paid my XXXX payment I contacted my bank and asked to be put on the Covid relief for three months. I was told I was the next month I got a late fee and was told now theyre gon na put me on it. Again the next month I got a late fee and again was told they were going to put me on it. Now Im in the third month now Im getting threatened of to get in the house taken away even though Im supposed to be on the Covid relief with my fha loan. I am beyond upset I have contacted my mortgage company several times about this issue since I signed up. Each time its the same thing and I keep getting more letters from my bank. My next step I will want to call an attorney and I think I have rights to sue them for all this because Ive done everything Im supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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 tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX  ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance XXXX XXXX XXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity 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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XXXX/XXXX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account XXXX : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : 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 2018-04-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I bank with SunTrust since last XX/XX/XXXX and as of XX/XX/XXXX they closed my account for no reason, something about rules and regulations and I contacted a lawyer and was told to go to one of the branches and close the account out on my own and take my money and bank some place else, but they told me I couldn't do that either, so I'm on the verge of being homeless cause I don't have any money, I've done everything and no help. I haven't done anything wrong. Please help me

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 2023-03-28
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection agency McCarthy Burgess & Woolff XXXX XXXX XXXX XXXX XXXX XXXX they say I owe {$20000.00} Purchases and payments were made in Arizona please see attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.

Company response to consumer: Closed with explanation