BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from XXXX XXXX and it is XXXX XXXX XXXX  XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having covid this issue needs to be resolved I can not walk and uses oxygen and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.

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 2023-11-09
Company: EQUIFAX, 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:
I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX XXXX for XXXX XXXX AND XXXX XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX  AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX AND XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: OH
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:
I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: TN
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:
I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account had become overdrawn for a short period of time and was placed with their collections department. I ended up bringing the account current and was under the impression my account was still open and able to be used. XXXX days after bringing the account current, on XX/XX/XXXX, I went into a local branch and deposited {$9000.00} cash, brining my account to a {$9000.00} balance. At the time I made the deposit, I had received no indication that there was any issue with my account, but when I attempted to use those funds later that day, all transactions were being rejected. 

Upon contacting the bank, I was informed that my account was in a " credit only '' status and I was given several answers as to how I could get access to the deposit I had just made ; however, all of them were incorrect. I was informed by their collections department that I had to go into a branch to be informed of how/when I can get access to the funds that I had JUST deposited ; but when I went into the branch, they made several calls and sent emails as I sat there for over an hour ... only to be told to go home and someone would call ... later. They were unable to tell me when that call may come through. 

MANY days later, I received a call from someone at their HQ who said they were looking into it and they would call me the following week ( today ) with more information. When they called today, they again informed me of " work '' they were doing ( or going to do ) and that they hoped to be able to contact me this Friday with more information ; and hoped that the account could be closed and hoped that a check could be cut to reconcile the balance of account. 

How is it possible that my account status could be changed and they could accept CASH funds without informing me of the change in my account status? How can they possibly accept a cash deposit on XX/XX/XXXX without informing me that I would not have access to those funds? How is it possible that they can keep me from accessing those funds for 15 days without being required to inform me of whether or not those funds will be released ; and/or when they may be released ; and/or why they are being withheld? 

They should have rejected the cash deposit or at the very least, informed me that once deposited, those funds will not be accessible until some review is conducted and the decision is put up for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2019-02-07
Company: The CBE Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 XXXX XXXX called my phone 5 times in less than 1 minute. 
1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX Then they start calling my husband phone. 
Before that day the calls was not as frequent, but sometimes XXXX times a day. 
The lady stated they sent out a letter without a letterhead, and as I explained to her who opens mail without a letterhead. She stated that's so no one would know I was in collections. I stated the XXXX   sends out mailing all the time with letterheads that's why I called the Department of Treasury to confirm it was true. That is a bad practice if you are truly collecting on a debt that was 90 days past due from XXXX send proper documentations. Not only are you put in collections, but the amount is {$6000.00} more than I owe. They said the Department of Treasury said they can charge me 30 % of my balance owed. So not only are you charging me {$6000.00} more than my balance, but when I call to discuss this matter with you the company can not tell me where the extra {$500.00} is because there 30 % fee is the {$6.00}, XXXX I make {$600.00} ( {$180.00} more than the original amount ) a month payments to pay.gov not the collection agency but I'm still being charged {$6.00}, XXXX ( collection agency fee ) for XXXX disaster loan. You want to pay your debt owed not 30 % of what you borrowed. You can't get loans because XXXX and Department of Treasury have put it in the credit bureau as collections. So now debt to credit ratio to high to borrow the money to pay them off. I just pray and move on but the constant phone calls have to STOP!, Because I'm making payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After logging in to my account ( with correct username and password ), it wants to confirm my identity by sending a code to my telephone number. But the telephone number in my account is old and I no longer have access to it. Without this, there is no other way to access my account. 

I have created XXXX support tickets with the company explaining the situation. First they requested that I provide : name, phone number, email and last XXXX digits of the bank card. Then they wanted " the first XXXX digits and last XXXX digits of the card number. '' But now they want a picture of my government ID along with me holding the ID, but I am not comfortable providing such personal information for security reasons. 

I have asked for other methods if possible but they said there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Resurgent Capital Services L.P.
State: TN
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 XXXX XXXX hereby confirms that a debt collection submitted against me by a debt buyer is in fact a complete scam. The original creditor known as XXXX XXXX XXXX XXXX. securitizes all of its debt portfolios. In essence, my original credit card debt was sold off to a securitized investment pool. XXXX XXXX XXXX XXXX. was never in a position to acquire this debt from a position in any securitization unless my credit card debt was a matter of public record. The debt purchaser known as Resurgent/LVNV Funding has shown no licensing agreement with the state of Tennessee, nor has it proved ownership by a valid transfer of debt. This collection is within the legal definition a scam initiated against a consumer, and this is not an isolated matter. Accordingly, I demand actions by the Consumer Financial Protection Bureau, the Federal Trade Commission and the Federal Deposit Insurance Corporation to review my complaint. The debt collector can not prove ownership as my information was acquired through a debt pooling arrangement with the original creditor. At no time was there anything conformation of a debt ownership transfer, nor can there be given proof. My credit report has been tarnished because of this scam. XXXX XXXX XXXX XXXXXXXX. is not in a position to re-acquire the debt from a debt buyer, as they have already claimed ownership and the right to sell the debt to a third-party. XXXX XXXX XXXX XXXX. does not own this debt since the placement into a securitized investment. This scam is complicit with both the debt buyer Resurgent/LVNV Funding and XXXX XXXX XXXX   XXXX, an FDIC insured financial institution. XXXX XXXX XXXX  FDIC Certificate Number is XXXX XXXX XXXX, XXXX, simply referred to as XXXXXXXX XXXX XXXX  , is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ] As of 2017, XXXX XXXX XXXX   services more than XXXX XXXX cardholders across the United States. This debt collection must be dismissed completely and my information purged from all future collection practices. The references placed on all pertinent credit bureaus must be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report and two forms of id to verify my identity, I am requesting that those charges be removed immediately.

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 2020-12-29
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX  and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Lending Club Corp
State: CA
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LENDINGCLUB BANK is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY LENDINGCLUB BANK was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LENDINGCLUB BANK complied with this requirement.

Company response to consumer: Closed with explanation