BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account are Identity theft Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, IDENTITY THEFT accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the XXXX major credit reporting agencies, namely XXXX, Equifax, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, Equifax, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other XXXX XXXX I need your help as I have been ignored and subsequently been deleted from Equifax. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ERC
State: NM
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:
Enhanced Recovery Corporation is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. SInce I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Using XXXX  XXXX  to buy XXXX, I bought XXXX  to help someone who had a wallet get the XXXX  to help them with a financial issue that stopped them from coming back to the states. 

The total amount was {$110000.00} in XXXX  using the XXXX atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. 
For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive been trying to get my credit report from Trans Union for 4 months although this has been a long-standing problem with them. On XXXX XXXX XXXX they say they are unable to deliver my report online because they cant verify my identity although I have correctly answered all the questions. When I request it by mail and send them all of the proper identification documentation I get a letter back saying I didnt send the right documents. Thats not true. When I request it by phone it never arrives. I created an account on their website and it says they are unable to deliver my report online. I have no problem getting my report online from XXXX XXXX XXXX at any time. They have denied me my report 90 % of the time for years. They intentionally make it impossible. Ive been dealing with this issue with Trans Union for 40 years. It needs to stop.

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 2023-08-04
Company: EQUIFAX, INC.
State: WI
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:
On XXXX I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and when I pulled my report again, I noticed that there were no changes and I had not received any response. The items were still reporting incorrectly. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. After being ignored, I sent the letters out via certified mail to ensure you all received them, and when they delivered on XX/XX/XXXX, I finally received a response. You stated that the accounts were verified and accurate. My question is, how can the accounts have been verified if they are STILL reporting inaccurately on my credit profile? The disputes have not been resolved and I demand that each dispute is re-opened, reinvestigated and deleted. I want complete copies of every action taken to resolve this matter. This is a violation of my rights as a consumer! To expedite the process I have also included screenshots of my current credit profile which shows the inconsistencies that you are reporting on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: First Technology Federal Credit Union
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around the week of XX/XX/XXXX my wallet, credit card, and pin was compromised and three charges were made without my authorization. I filed a police report regarding the theft with the XXXX Police Department ( Report # XXXX ). 


XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX TX {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX TX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TX {$160.00} I notified my credit card company of these issue and was advised it would be investigated. A month after filing the dispute a fraud investigator by the name of XXXX XXXX contacted me and stated that she reviewed the claim and felt that the transactions were valid even though she did not receive any documentation from the merchant. She said she believed them over me and she advised she would wait a week as they might provide documentation, but that she believed they probably would not and either way she was going to close the claim stating I was responsible for the transactions. I advised her that I thought it was unfair that at minimal documentation should be required from the merchant but she stated for their review it's not needed and that the decision to approve or decline a claim is at her sole discretion.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: IN
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I initiated a {$27000.00} transfer, to my XXXX XXXX. But on XX/XX/XXXX, my Marcus account was inexplicably locked. After multiple verification attempts, including providing personal information and my Social Security Number, your representatives were unable to unlock my account or send the necessary verification code. I provided alternative phone numbers ( 4 phone numbers an ), but the issue persisted. 

When I requested account closure and the return of my approximately {$180000.00}, I was assured it would be processed accordingly. However, I received an email on XX/XX/XXXX claiming unsuccessful contact attempts, which I dispute as I received no missed calls. Upon calling back, I was informed that my account required additional verification, causing further delays. 

Despite assurances on XX/XX/XXXX and XX/XX/XXXX, the transfer failed, and my funds, approximately {$200000.00}, were not redirected to my XXXX XXXX XXXX account. 

Despite subsequent calls on XX/XX/XXXX and XX/XX/XXXX, my account remained under review, and additional verification steps were imposed. Today, on XX/XX/XXXX, I was informed that the transfer needs to be redone, and I should call again tomorrow for the verification code. These ongoing issues and delays have eroded my trust in Marcus by Goldman Sachs. 

I demand immediate closure of my Marcus account and the transfer of my remaining funds, approximately {$200000.00}, back to my XXXX XXXX XXXX  account ( I initially transferred money from XXXX XXXX XXXX to Marcus bank ). I expect this process to be completed promptly and without further complications. I also request a detailed explanation for the numerous errors, inconsistencies, and delays that have transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, XXXX XXXX intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. XXXX XXXX refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. After XXXX XXXX forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. I have raised these issues in a multi-year court battle ; yet XXXX XXXX continues to engage in knowingly malicious bad acts. They have admitted their errors in Court documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.

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 2021-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX Specialized Loan Servicing, LLC ( Mortgage Collection Agency ) Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their persistent negligence, intentional deceit and unfair business practices ; via the following : 1. Unauthorized disclosures of private information to a third party, with a totally different and wrong address.

2. Failed and continued to fail in issuing and providing updated " Monthly Statement '' of Account for our Mortgage Loan.

3. Failed and continued to fail in issuing the required and mandated " Tax Documents '' for 2020 ; reporting the interest paid on the loan, even after multiple communications via mail, and phone calls.

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 2021-03-03
Company: FISERV INC.
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received the unactivated card in the mail. I contacted my Congressman 's about how to get a check issued instead. I was told to call the ONLY number provided by card issuer to get a check. The phone number is reported to allow access to " the main menu '' as well as activate the card. That is a lie! The number requires the caller to activate the card. In fact, there is no option for having a check issued. Moreover, there is no option for ever talking to human via this number. Evidently, the billionaires who own the parent company ( e.g., XXXX ) do not want to talk to mere peons ... only take our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Companies XXXX, XXXX XXXX Experian abused consumer 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 explanation