BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : XXXX XXXXXXXX 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

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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX of this year Simple bank sent me a notification that it would be closing in XXXX and my current account would be transitioning to its partner bank BBVA USA. I was assured that the transition would be seamless. On XX/XX/XXXX Simple bank officially closed and I was given instructions for enrolling in online banking with BBVA. I was instructed to download the BBVA online app and enroll using my existing account information. On XX/XX/XXXX I started the enrollment process through the app. I made it half way though the enrollment process when the app gave me an error message and told me to try again. When I attempted to enroll again I received an error message that my account had already been enrolled and for security purposes had been locked. I was given a customer support number to call to unlock the account. I called twice on XX/XX/XXXX and was placed on hold for about 45 minutes before being disconnected both times. I attempted to call again on XX/XX/XXXX and was transferred to three separate CS agents over the course of two hours and eventually hung up on. I have no access to my online banking and have no way to access my money. BBVA has acknowledged that this is an ongoing problem on their website and XXXX account however no formal notification has gone out to customers with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted 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 2023-01-07
Company: EQUIFAX, INC.
State: CA
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : 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 2023-10-13
Company: General Credit Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/, I received a collection notice from General Credit Services regarding an alleged debt of XXXX. I immediately disputed the validity of this debt by sending a certified letter requesting debt validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my formal request for validation within the legally mandated 30-day period, General Credit Services has failed to provide any documentation or proof that I owe this debt. They have not furnished any information regarding the original creditor, the debt amount, or any supporting documents. 

This lack of cooperation from General Credit Services has not only left the debt unverified but has also raised concerns about potential violations of my rights under the FDCPA. The absence of any substantial response or evidence of the debt 's legitimacy has led me to believe that this debt may not be valid. 

I am seeking a resolution to this matter that involves the complete dismissal of the debt and an acknowledgment of the failure to comply with the FDCPA 's requirements for debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Contacted USAA on XXXX XXXX, 2022 to setup an auto loan which was originating from me, a USAA member, to purchase a vehicle from another USAA member for which USAA held the title. These details were made explicitly clear to the customer service representative named XXXX ( employee ID XXXX or XXXX ) who seemed unsure of the entire process. She assured me that she knew of the process inherently. Upon flying to XXXX on XXXX XXXX, 2022 ; I retrieved the vehicle ( as instructed by XXXX XXXX and sent in the authorization to record the lien. The very next day, I received a call from USAA who stated the loan was completed entirely incorrectly and that I would have to apply for a new loan. 

After two hours on the phone, I applied for new loan costing me another credit inquiry. The new loan was 0.25 % higher, no doubt because I had an inquiry the previous week. Lord knows how much this 0.25 % will cost me on the life of the loan. It is now XXXX XXXX, 2022 and the seller has yet to receive the difference in his payoff ( from USAA ). After calling back, I was told the second loan application was also filled out incorrectly and the seller needs to file a dispute with the bank for the difference. I am not sure how this bank can continue to operate with an employee constituency that is both poorly trained and unwilling to ask for help. I have also yet to receive the title which I was told I would receive in 2 weeks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The CBE Group (XXXX XXXX) contacts me numerous times throughout the day in an attempt to collect a payment that is slightly past due. Approximately every two hours I get a phone call from the same phone number that never leaves a message. The only reason I am aware of who the company is, is because I have made attempts to contact the nunber that calls and hangs up about 5 times a day. I have asked not to be called this frequently as you will get much further by calling once, and leaving a message so I can call back. If I block the number for calling too often they will just call from another number, and use the same repeated tactics. I wish for this company to stop harassing me. Just today I have received three calls already and it is barly XXXX. If thats not bad enough, they have called my parents, and in-laws numerous times even though they have been informed that I can not be reached at those numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: AXOS FINANCIAL, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which gives a {$300.00} bonus for meeting specified terms for new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} third party deposit was deposited into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and since the deposit was greater than {$7000.00}, it meets the deposit threshold in order to qualify for the new account bonus terms. 

I tried reaching out to Axos bank to check on the status of the bonus via their online messaging system on XX/XX/2022 and have yet to get a response. When I created the account online, the promotion code was automatically attached to the application in a non-editible field. 

Since Axos Bank has failed to initiate a conversation with me to handle the matter, I would like CFPB to step in and help with remediating the situation to ensure that Axos Bank stands up to their obligation. 

" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( s ) see table below. Total Qualifying Direct Deposit amount in 30-day Evaluation Period You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the 90-day waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
We purchased windows for our home XXXX a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you 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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing and challenging the debt XXXX XXXX XXXX  says I owe. 
The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all XXXX credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a law student.

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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was opened up fraudulently in my name through Ashley Furniture. Their partner bank that services the cards is Synchrony Bank. On XX/XX/2023 I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to Synchrony Bank. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of Ashley Furniture to close it through them. Synchrony Bank Solutions reviewed my claim and found the Ashley Furniture account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX attempting to collect the same debt from Ashley Furniture for their client XXXX XXXX XXXX, XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to Ashley Furniture and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX  allowed me to submit the required documentation to start my fraudulent claim.

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 2023-01-07
Company: EQUIFAX, INC.
State: NY
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:
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 - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX A XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Zions Debt Holdings
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Requested original signature on invoice, serveral times, from 1. XXXX XXXX  XXXX, reported XXXX {$1900.00}, and 2. Zion Debt Holdings, reported XXXX {$1900.00}. To see if this debt was my debt. Who will pay a bill without a receipt or invoice have not received anything at this time. 
When I reach out to them conversation start out good then when I asked for documents with my signature and date the become aggressive and anger. Telling me I need to pay this amount I disputed this with XXXX, XX/XX/, my dispute was denied each collections. These account are ( old. ) I asked XXXX why was my dispute was denied they said the collections agency said the debt was my debt, I asked did they send original documents of any kind, XXXX said NO!, they never request and documents from a collection agency These collections agencies and credit bureau are not verifying just reporting info This info is not on my XXXX credit report XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation