BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on USAA FSB. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. USAA FSB XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being XXXX with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a XXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike Portfolio Recovery is trying to claim. Regarding XXXXXXXX XXXX that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. XXXX XXXX : XX/XX/XXXX - Present. Portfolio Recovery : XX/XX/XXXX - Present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
RE : unauthorized inquiry to my consumer report ; demand for deletion and {$1000.00} settlement. 
to. whom it may concern you are violation of the Fair Credit Reporting Act ( " FCRA '' ), ( 15 U.S.C1681b ( a ) 3 ( f ) ( i ), for unlawfully obtaining my XXXX consumer report on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX without my authorization or a premissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for premissible purpose. A person shall not use to obtain a consumer report for any purpose unless ; 1.the consumer report is obtain for purpose for which the consumer report is authorized to be furnished under this section.

2. the purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis,260 F Supp 2d 711 ( S.D lnd 2003 ) 616. Civil liability for willful noncompliance { 15 U.S.C 1681n }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion is violating my rights under the Fair Credit Reporting Act, Section 609 They are reporting unrecognized hard inquiries and incorrect account balance 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 2021-07-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking and savings account online XX/XX/21 with Citi Bank. I was sent a debit card and checks and issued an online username to access my account. When I went to login and activate my debit card it said my account was blocked. I called Citi and spent hours on the phone and they said they were unable to verify my identity and there is not a Citi Bank close to me. I asked for my funds back that I opened the account with. Never received. Called again 6 weeks later and again never received. Filed a complaint on here and finally received my funds back XX/XX/21. Yesterday I receive 2 emails that my accounts are over drafted and they are charging me {$5.00} for the savings account and {$39.00} for the checking. Called into Citi Bank again and was hung up on. Called back again and the person let me know I needed to speak to the fraud department ( again for the 3rd time now ). She then comes back on the line and says there is a technical issue and I cant be transferred and left me with no resolution whatsoever. I asked to speak to her supervisor and told her this has gone on for 6 months and completely unacceptable! This is traumatizing at this point and has taken up hours of my time for absolutely no reason. Im told the account is closed. They sent me the money back. I can not access anything online and there is no bank. Why am I receiving emails that my accounts are now overdrawn and Im being charged fees? No one from Citi Bank can give me answers and there is not a financial center close to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is against Select Portfolio Servicing , Inc. the Servicers of my loan Select Portfolio Servicing became the servicer the beginning of XXXX prior to that XXXX XXXX had the account. I received a letter from XXXX XXXX indicating that they were no longer the servicers but SPS was and that any arrangement or agreement that XXXX XXXX had prior to the change of Servicer that agreement would be honored by Select Portfolio Servicing. The letter sent to me from XXXX in XX/XX/XXXX states that. I continued to work very hard to make sure that XXXX XXXX had all the documents they needed to approve a short pay-off since that agreement would be honored. 

Originally XXXX XXXX agreed to XXXX and that was the current offer on the table. However, as I started working with SPS they were reluctant to allow me to move forward with the XXXX short pay even though that was the agreement with the prior servicer. 
SPS came back later and agreed to a XXXX Short Pay I agreed and moved forward to get the banks offer and closing date. I had to work very hard to remove erroneous property tax charges and other charges placed on my account to hinder me from selling my home outright. 
We were about to close with the Bank and pay SPS as agreed but out of no wheres SPS pulled the agreement and stop the closing. I made a request from SPS to get updated settlement letter from SPS. For the closing but they refused and then backed completely out. They ordered an auction of my home without cause when I have the bank loan to pay the loan off. 
SPS is fraudulent and deceptive practices should be stop. Please review the information I have submitted to show that their activity is very suspect and borderline criminal. 
Please review the fabricated promissory note which has a notary they employ and the signature of the POA that does not exist., please see the attached. I have shown SPS and the investor several times that the original lender was out of business before they finance my loan. The Servicer as well as the attorney knows that the company had no license to do business in this state but continued to do business illegally. 

The attorney General in this state has turned a blind eye to the situation even though hundreds of people have gotten loans and lost their home with the enormous fraud perpetuated by the authorities and those involved in this scam. The notice of error was sent out, but they ignored the RESPA violations. 
There were issues with the closing, but they ignored that the information I provided which show that my loan was never assigned. They have no legal right to foreclose or auction my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Tried to log into my Experian Credit Bureau account, but was not successful. I tried to change my password and user i.d., but no luck. This process required me to provide my SSN and birthdate, but when I did, a message stated that these did not match. When I typed in my user i.d . or my e-mail address, it said there was no record of my user i.d ( e-mail address ). I had no luck contacting a real person by phone, except an operator who instead of connecting me with a real person, instead connected me to the same recording I got using the phone number listed on their web site. I sent a written letter on two occasions via USPS, one certified for which a got an acknowlgement of receipt, but no further action other than an e-mail asking me to rate their customer service, which of course I gave them a big fat ZERO. I previously had an issue with my e-mail which my ISP, XXXX XXXX, said had been compromised. My concern is that some hacker is using my Experian account for some fraudulent purpose, and Experian will do nothing about it.

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 2021-07-03
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, i reached out to coinbase and coinbase pro support asking for assistance with crypto that i had gotten access to especially since its now involved with my accounts. I had honestly thought it was a donation or an inheritance from an old friend of mine named XXXX XXXX XXXX. Honestly the minute i noticed the crypto and how much it could convert to i was just astonished. I dont know how to convery crypto or safegaurd it or even just transfer it into my own personal wallet so i know it would be protected. But unfortunately within the next couple of weeks after sending the first email to coinbase, i only got responses saying they are either going to close my case or they are going to merge it with all of my other inquiries. Unfortunately throughout this time someone had compromised my phone number and was able to receive the two factor auth codes without physically having access to my device and ended up resetting my passwords and changed my phone number so i lost access immediately. This happened maybe a couple days after i first mentioned a possible hacking. But im disappointed i havent heard back ever since i first reached out to them in may and it is now XXXX. But yeah hopefully something can be done about this issue. It really wasnt my fault for losing access. I tried my bestto safegaurd it all but coinbase just left me on read basically and has not since responded. I even tried to do the recovery and id verification. Have not heard back at all. Im Very disappointed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was advised by Chime bank that my account was being placed on hold until I can verify activity of deposits to my account. Initially and with much urgency I replied to the email and advised them that I had recently received XXXX rather large deposits into my account the first large deposit in the amount of {$19000.00} which came from a lender by the name of XXXX XXXX, this deposit was for a small business loan to support activity for my sole proprietorship as a seasonal XXXX XXXX. I received the loan from XXXX on XX/XX/XXXX. A few days later I received a deposit in the amount of {$8900.00} from an insurance company that goes by the name of XXXX XXXX  for a payout on my vehicle that was totaled in a recent car accident. Chime bank initially requested my picture Identification and anything that supports my proof of residence secondary identification and any documents that supports the deposits received. I then sent as a reply to the email my drivers license social security card a copy of my utility bill and the release that I signed for the insurance company along with a page from the company that sent the small business loan stating the amount and deposit account numbers for destination of the loan. After receiving the supporting documentation chime requested a picture of me holding my identification and a tax return transcript that supports sole proprietor and I sent those items to them as well. I also explained to chime that according to the sequence of deposits that I had already allocated and spent the funds that were deposited for my business loan and that the funds remaining in the account were my personal funds from employment cash transfers and the money from the insurance company. After going back and forth with them for 4 days I advised them that I had provided them with as much information that I could and that I didnt have anything else to give to them and they closed my account and said that I was ineligible for a refund they also stated that I wasnt in compliance with their internal policies and would not explain any further after I asked several times for an explanation. They made it as to where I can only talk to them via email and they no longer reply I had to find other avenues by going through XXXX bank to open a ticket for resolution. I was hung up on several times when they asked what I was calling about after verifying my account they would then disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, 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 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Barclays changed my name on my account without my authorization and without notifying me. Only incidentally noticed name change on my statement. I notified them of error and they changed back. Now trying to require me to submit documentation to keep my correct, legal name on account that I have had for years. Concerned that a security breach occurred to precipitate name change and they are not responding to this concern. I am uncomfortable submitting documentation to them given the sketchiness of this incident.

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 monetary relief
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: MO
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/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.

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 2021-07-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  assigned me to synchrony bank approval for a product purchased and returned during in home trial period before expiration of in home trial period in complete excellent condition base and mattress and remote!, this purchase was telephonically made in error and mis represented product to a consumer who suffers from service connected veteran injuries XXXX in nature!, XXXXXXXX XXXX corporation XXXX  MN, XXXX, is sticking me the consumer with a XXXX XXXX dollar restocking fee for a base unit that's only interchangeable with their brand mattress!, that seniors were not properly informed that base unit sale is final!, so my synchrony account will have a debt that is not warranted to this consumer!, this fees should be waived in full!, full credit should be returned immediately, XXXX XXXX commercials are misleading in nature their products have different models with different features and varied price categories that were poorly explained by telephone representatives!,

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 2022-09-06
Company: Experian Information Solutions Inc.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

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