BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: DC
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 bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX. The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.

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 2018-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX  XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX. 

I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 Trans Union XXXX XXXX XXXX and 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last year, XX/XX/XXXX, I was alerted of fraudulent activity on a Truist account ending in XXXX that I was the custodial parent/joint owner on with my daughter, XXXX XXXX XXXX My daughter was physically in XXXX, NC at the time of the fraudulent activity and I was physically in XXXX, NC. My daughter and I separately called Truist to report the multiple fraudulent incidents that were occurring due to her lost debit card. We were told the fraud department would investigate. I physically went into the XXXX, NC Truist Branch location and spoke with a relationship named XXXX, who additionally called their fraud department and requested they look at ATM cameras to complete the investigation. I also attempted to file a police report but was told by XXXX NC Police department and XXXX NC police department that my daughter would need to do this wherever the fraud occurred. We could only see transactions in XXXX, NC and upon going there, they told us we needed to dispute charges with Truist bank. After almost a year of going back and forward with Truist, we were notified by letter that we both were responsible for the over-drafted account in the amount of {$5000.00} and the account charges were sent to a collection agency. I have called Truist repeatedly, being transferred to the fraud department, spending multiple hours trying to rectify this situation to no avail. I am not responsible for fraudulent activity on any bank accounts I have EVER had and need your help in rectifying this fraudulent matter. On XX/XX/XXXX, my personal checking account ending in XXXX was " force debited '' {$1400.00} to which I went to the bank and they say was to cover the charge off account ending in XXXX which was victim to fraudulent activity but an unknown person ( s ). All I have in possession at this time is the information of the account transactions on the bank account and my multiple statements to the physical Truist bank. I can mail this information to you. I would like for our names unattached to this fraudulent activity. I have banked with Truist for almost 20 years and would never attempt fraudulent activity! I have made numerous calls to Truist and went into the office with no one resolving the issue. They simply keep transferring us to the fraud department which either hangs up or gives no answers. My daughter also visited Truist bank in XXXX, NC where she was residing at the time and called repeatedly with no resolution as well! There has been no follow up to us and we have been charged for someone else 's fraudulent activity against our joint account. I would like all money that we deposited or internally debited from us by Truist returned to our accounts IMMEDIATELY. Please help!

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 2023-09-20
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I was setting up auto pay for the first time, I set this up XX/XX/2023. I notice that the payment had not posted nor was it pending in my account XX/XX/2023 ; I called the mortgage company to verify how the auto pay is set up, I know from past experience that some places want the first payment to be made then auto pay will start the next month, I call to verify was their policy set up that way, the young lady that I spoke with told me that I had to make a payment then the auto pay will start the following month. I seen the payment that I made through the mortgage web page account post right away, then XX/XX/2023 the auto payment took another payment. I have been calling since XX/XX/2023 to have this money refunded back into my account, I explained to the mortgage company that the money that was taking from auto pay was for my bills. I have not received anything in my account, all I get from this place is the run around, I ask to speak to a supervisor every time I call, I NEVER get a supervisor to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-02-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX Suntrust withdrew XXXX without notification this made my account to be overdrawn. I was told they send me a letter stating they have placed this amount into my account 30 days prior for CO-VID relief and that in 30 days they would retrieve this amount. If I would have been notified I would have never accepted this amount. This amount was placed in my account without my knowledge. I ask Suntrust to give me copies of letter/emails has they told me they had send me and as of today 's date no copy of correspondence as been given to me. I have spoke to two supervisors On XXXX and was told nothing could be done. I called Atty General office XXXX XXXX was told to write it and send it in band call Consumer Finance spoke with XXXX and she advised the steps I needed to take. On XXXX I went in person to the branch to speak with a branch manager and was told an open investigation was open and I would be getting an answer via the correspondence of the emails/letter I was requesting of how the money was deposited and was going to be taken away from my account. The lady that help me by the name of XXXX XXXX. She was very unpleasant stating to me how can a person live without checking a bank statement. I told her I was not there for scolding me if I check bank statement or not I was I was there for the simple reason why and where was the correspondence allowing them to retrieve XXXX which was going to put my checking account overdrawn and they are going to get a lot of overdraft fees that I did not myself did and this was a scam for them to take all my money something that I did not do. As of today XXXX already my SunTrust account is XXXX overdrawn for not having the funds into my account. Money they took out without my knowledge without my consent and this is how the banks live of poor people with overdraft fees not made by me but by them. It was not nice for them to placed money on an account that was not overdrawn and by themselves made this account overdrawn to make overdrawn fees to take my money to pay SunTrust. To say they are helping people for COVID. If you notice Suntrust stated my account was overdrawn in the thirty days my account was never overdrawn.

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 2023-09-20
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The company called and told me that they were fixing the charge and reinstating my account. They also told me that they would make it so that I could add my bank account to the new account instead of the previous account. This is not what happened. I attempted to add that bank account again, several times, and when I tried manually, my account got frozen... AGAIN! This is unacceptable and this is still the worst company I have ever had the displeasure of working with. This process has been frustrating and annoying and quite frankly, I would advise anyone not to even bother ever trying Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have previously filed a complaint with the CFPB ( complaint ID number XXXX ). Since the supposed resolution of the last complaint, I have continued to receive calls from this debt collection company that are harassing in nature- XXXX XXXX  and then hanging up, but my caller ID has logged every single call. This company calls in this manner 3 or 4 times a day, the most recent call being today, XX/XX/XXXX at XXXX XXXX XXXX. The company previously said in the resolution to my last complaint that they would cease contact but they have not and have in fact increased their calls, and XXXX XXXX and hanging up is definitely legally harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened an account with Ally. Transferred XXXX from acct open. On XX/XX/XXXX I deposit a XXXX check from my XXXX k. Receive a email XXXX will be available XX/XX/XXXX remainder on XX/XX/XXXX. I make several payments. I then set up a XXXX transfer back to same account I originally placed XXXX dollars in. Payments post no problem. Monday I go into my account it wont let me in. I then get a email from XXXX that payment has been returned. Have made XXXX separate calls for them to tell me my account is under investigation that the XXXX dollar transfer was blocked on a frozen account. Called my other bank who said it was not true. Sent them requested documents pictures showing debits coming out of that account. Went over everything I did in the account for them to tell me not to raise my voice and they have up to 30 days to Investigate told me my XXXX check was cleared but the XXXX transfer has caused the investigation and I just need to wait.

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 2019-02-04
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with Navient who are impossible to deal with and I have had the worst experience dealing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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:
I have disputed this item with TransUnion becase i can not identify this item in the amount of XXXX and have had problems with someone useing my ssi # in the pass i requested a contract or a binding legal document and they did not provide me with either document but say that this item is accurate the investigation id # with TransUnion is 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 2021-02-01
Company: Porsche Financial Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is the third time I have been forced to submit a complaint for not being able to pay my loan for the lease of my XXXX. I have constantly pleaded with XXXX to look into this matter of their system for online pay as this issue has continued. My credit has now taken another hit because their online portal is either constantly down for maintenance or it just wont simply allow you to access anything until its too late. Each time I've only been able to access my account to make payments and by then its late, but then shortly after i can not access my account again. I've also made a representative aware of the customer service number that is provided on the site to call that is literally a spam number and does not work. I've tried called XXXX XXXX and have asked to speak with a manager and have not received a call back for over a month. I've attached a screen recording shortly after a payment was made and I was unable to access my account again. I also have video of now being able to access my account and the " down for maintenance error '' messages but am not able to upload as they are too large and can provide should XXXX need more evidence. I would just like a reliable system to make my payments on time.

Company response to consumer: Closed with explanation