BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Apparently yesterday XX/XX/XXXX, there was two checks deposited into my account without my permission. One for {$8500.00} and the other for {$5000.00}, a total of {$13000.00}. Were in debt XXXX  due to this. Funds were moved around and sent to my XXXX  which was also used. I tried calling USAA to let them know it wasnt my husband or I. I told them when I went to the grocery store to get some food and stuff for my son my debit card declined. I usually have some money in my XXXX  so I used that in the time being. When I got into my vehicle and tried to log in to my bank app ( USAA ) it said my account was locked. When I got home I called the number it gave me and I was on hold for an hour and a half or so. I hung up in hopes I would have better luck of getting someone to answer soon. I was on hold for another 3 hrs and 48 mins. I was informed that everything was pretty much coming from my phone. That the checks were deposited from my device and in XXXX. I told them it wasnt me. They informed not much can do since they dont have much evidence from me to prove it wasnt me. My XXXX was hacked and my XXXX  too. I deleted XXXX in hopes to put a stop to the culprit from its wrongdoings. Ive tried calling XXXX  to inform them not to release the funds to them. They said they have a high volume of calls and I need to go through the app but I am having a hard time recovering the account in order to file a complaint. I recent called USAA again was told I have to wait another 3 hours. I have to call them once again in the morning and hoping I dont have to wait 6 and a half or more hours to get to the bottom of my situation. Hackers are so advanced now a days and can figure out how to make it seems my phone was being used from the same location and everything. Im the victim and my family and I are being punished for someone elses actions. I dont have access to my account nor my funds. God forbid something happens and I dont have access to my money to take care of my family and I. Were in the hole for XXXX and its completely unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This started from the XXXX month of closing my home with Crosscountry mortgage- where they started to XXXX me about collecting a debt of which gave me u til the XXXX of each month to pay started to call me on the XXXX of the month - my payment originally at closing was for {$2700.00} which has gone out every mo th since XXXX of 2021 until now which they stated I was Short $ XXXX of escrow - which they purposely never sent me a notice that there was lapse of my home owner insurance which they went out on their own to get a homers insurance at XXXX times the price where my original home insurance was XXXX they went out and got one for {$8000.00} which is ridiculous they never notified me nor call me they did have my current XXXX address which I never received anything until XXXX months later when I asked why are they calling me with the collection of asking me for {$5000.00} which then they find re adjusted after I got a new home home insurance for the same price instead of XXXX I got it from state then my flood insurance went up by three times. Return my mortgage payment of $ XXXX- they should be responsible for scamming me. Scammed me of escrow all Of a sudden from XXXX to XXXX escrow balance - they ARE XXXX  - my credit score dropped from XXXX to XXXX!!!!! when I give them a call Im always been transferred from Customer Service collection to insurance to back to Customer Service which is ridiculous nobody talks to each other and yet I get calls cost me which is harassment so I need to report them because now theyve messed me up with my credit and mark me 30 days late Ive been having excellent credit since

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX to the Ombudsman and the OIG!

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 2022-05-17
Company: Experian Information Solutions 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:
FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX  XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun

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 2021-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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:
Portfolio Recovery was noticed of a dispute on XX/XX/2021. The company agreed on a recorded line to pay for deletion. As of today XX/XX/2021, still has not removed this account fro. My credit file on all three major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a lone a few years ago to this date {$12.00}, XXXX and have been going through financial hardship and have been late on a lot of payments since last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Trying to get a mortgage for a house and they're unable to pull my credit report from Equifax. I tried to pull my credit report with Equifax from XXXX  and also was not able to pull my own credit report. I've called countless times, faxed in information they asked me to. Still over 30 days later still not fixed. I need this to be able to purchase my house in the near future and if I don't get this resolved I won't be able to get my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Resurgent Capital Services L.P.
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 debt validation letter to LVNV FUNDING LLC on XX/XX/22 tracking # XXXX which they responded with a letter from the court house which I was never aware of I also requested more information from them regarding the debt I requested my signed contract most recent bills which indicates date of last payment and date of delinquency and payment history what they sent is insufficient to my request and I have never done business with LVNV and the only proof I need would need to come from the original creditor I followed up with another letter requesting more information and once again they have replied with the same paperwork this was done on XX/XX/22 tracking # XXXX I also reached out out to original creditor At this time they are refusing to reply to my request and I need more information please remove this from my credit report as they are refusing to provide all required information they have also failed to indicate that how and that I can Dispute the information please see attached items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.

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 2022-05-17
Company: Foursight Holding LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am the agent XXXX XXXX XXXX communicating on behalf of the principal XXXX XXXX. I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ). There are no third parties involved in this matter.

The debt has been paid.

All information needed to resolve this matter will be included in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I 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 XXXXXXXX XXXX, US DEPT OF EDUCATION/XXXX XXXX , US DEPT. OF EDUCATION/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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 2021-12-20
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX XXXX and 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 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have so upset. I don't ask for much all I ask for is to be treated fairly. I have repeatedly told your company that there are errors only my credit report that are preventing me from doing the things that I need to do in order to provide for my family. My family and I are struggling and very frustrated about the troubles we are having. I f something is not done immediately we will in fact seek litigation. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My civil rights have been violated by XXXX XXXX and wells fargo. There was no legal justification to close my checking account only to harass and abuse me. Wells fargo falsely claims it did everything lawfully and appropriately. Which isn't true. They had to close my original account to cause this trouble for me. Wells fargo has never acknowledged that XXXX XXXX called the police on me. 

I lost my checking account at wells fargo. Due to XXXX XXXX falsely accusing me of harassing her. They just automatically took her side and done me dirty. Which is why she started to be a banker to harass me and to use her position to influence people against me and pay them off as she did with the police. I was done dirty. I did nothing wrong to deserve this type of treatment. 

Why did wells fargo allow me to have the new checking account to begin with. 

I was falsely accused by XXXX XXXX of harassing her. While I was at the bank opening my new account. This was downright dirty what was done to me by XXXX XXXX and other wells fargo employees who assisted her. XXXX XXXX is a mentally crazy unstable person. Wells fargo thinks their smart by not mentioning the real reason why my checking account was closed. My new checking account was only open for a month when they closed it. XXXX XXXX befriends everybody in my neighborhood to get them against me and everyone else in town also. They are all scum of the earth to think by befriending other neighbors around here and having them cut their grass will torment me because people like them for some reason. It's a sickness they have. XXXX XXXX just doesn't know when to stop because wells fargo believed her side of the story and not mine. This incident happens at the bank not outside it like how they so loudly try to explain in their replies. To protect XXXX and XXXX XXXX. This is how XXXX XXXX gets people on her side against me. This is what happen when wells fargo wrongfully closed my checking account. I did nothing to deserve this type of treatment from wells fargo. Wells fargo had malice against me when they closed my checking account. It was personal not because they claim they have a right to close my account. 

Why did wells fargo allow my first account to remain open from XXXX XXXX XXXX made a false call to the police telling them I was harassing her. This is CORRUPTION if the other wells fargo employees went along with this lie. The police didn't see XXXX XXXX any where near me. She intentionally came around me to cause me trouble. I am owed in compensation for my checking account being wrongfully closed due to XXXX XXXX slandering me. Even though wells fargo falsely states I wasn't slandered to defend XXXX XXXX and their wrongful actions in closing my account.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Synovus Bank
State: VT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I put down a {$200.00} deposit to get this card and then close did attitude XXXX dollar balance, however, they decided not to close it and they kept it open and now it is {$13.00} over and theyve been charging me that for years they need to close this account because my security deposit more than pays the balance and remove it from my credit report I demand it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Kirschenbaum & Phillips P.C
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX I got a letter from this company stating i owe more then I owed so I called my representative at the company XXXX XXXX and she was very unprofessional, rued, XXXX, aggressive towards me, bullying me and Threatening me by saying if I didn't pay what she wanted me to pay the company was going to take me to court. I tried to tell her I was out of work and I was receiving XXXX checks and what I could afford. I went to the court house the very next day and the clerk stated nothing in the system and I have to wait on the XXXX to file the paperwork. On XXXX I received another letter stating less then before {$5800.00}. I called XXXX XXXX at XXXX on the XXXX and requested a breakdown letter and she was XXXX XXXX bullying me and threatening me by saying the company has lawerys and they will file a case against me. I explained to her I know I owe and I just want the breakdown. I told her if the numbers match up with my numbers I will set up a payment plan. XXXX refuse to listen to me, she then stated when you get the breakdown call and I will tell you what u have to pay. I reminded her the last time we spoke nothing got accomplish because of your professionalism, you can't tell me how much I could afford. I called back at XXXX and spoke with XXXX XXXX XXXX representative, I told her everything that took place dated back XXXX, as I was telling her she must of been texting Iashia XXXX her private line XXXX XXXX me to hold on XXXX XXXX calling, she came back to the line and said all of the representative are signed clients and that's your representative. I said it's my right to ask for other representative cause XXXX is not handling my case properly. XXXX put me on hold again, came back to the line and stated the same statement, I then asked what's the XXXX name, email and number. she said he going to tell you the samething, I said what's his name she finally told me and said he will be back in office Monday. I asked again for email she gave me XXXX XXXX

Company response to consumer: Closed with explanation