BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021, I sent a certified letter requesting for Velocity Investments LLC to provide me with a certified copy of an original contract with my signature, specifically naming their company as an entity entitled to enforce a claim against me. The letter was a 30 day request. I asked for proof because I have never signed a contract with Velocity Investments LLC for them to file a suit with the XXXX County Magistrate Court against me. 

A representative of Velocity Investments LLC accepted and signed for the letter that I sent on XX/XX/2021. Today makes 34 days and Velocity Investments LLC has failed to provide proof but the suit is still opened with the courts.

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 2021-05-26
Company: EQUIFAX, INC.
State: MI
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:
We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One restricted my personal bank account without notifying me about it. When I called I was unable to get anyone, there was an answering service that told me to leave a message with my name, account number, and phone number and they would called if needed in 48 hours. When this didn't happen I called back and had to make a selection on the automated system for something that had nothing to do with my issue in order to speak to someone. When I finally spoke to someone I was told that the account would be closed. I wasn't given a reason verbally or in writing about the incident and had to make a request for it. I was told that a request would be put in. When asked how I would received funds that were still in the account I was not given a straightforward answer. The customer service representative stated that they would allow me to access my funds to take the money out. When I found that this couldn't happen, I called backed and was told that I would receive a check and that the bank would bounce all deposits back. However, the bank still took a deposit after I was told the account was closed, and didn't give me an answer on how I would receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice LVNF Funding LLC was  garnishing my wages on XX/XX/2018 I sent a letter requesting to know what the garnishment was in regards to and what specifically it was they are claiming I owe for. 

I looked up what to do online to find a template for a letter requesting that information without including anymore personal information. 

On XX/XX/2018 I received a response only restating their original information. 

I have not heard from them since. 

I have no idea what the claim is a result of i.e. merchandise, services or other. 

I hope this is the correct place to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an AA Citibank Mastercard. I made a reservation in XXXX in XXXX for a XXXX trip. XXXX cancelled our flight. My XXXX  and I could not get to XXXX, then. Our reservation was refundable, as long as we advised the XXXX XXXX at least three ( 3 ) days in advance of our scheduled arrival. We notified the Hotel nearly two months before our arrival of the XXXX cancellation and the fact that we could not get to XXXX. The Hotel refused to credit our card, despite more than a dozen attempts. We contacted our Credit Card company to dispute the charge. The Citibank card gave the Merchant 45 days to respond. They gave us two days to respond. I dropped everything and submitted a four page detailed response. Citibank denied our Disputed Claim. When we called, they said they never received the dispute. I submitted the supporting information to Citibank 's provided email address and received a receipt indicating it was received. We called. Citibank said, oh, okay, we have it. After weeks they denied our dispute and said we need to purse the Hotel directly, which we did for nearly two months, to no avail. I called Citibank and they indicated they could not give us a credit until the Hotel agreed. I do know that is not the process. Citibank clearly was working for the Merchant and not us and we are out more than {$800.00}. We do not believe Citibank followed the law in handling this dispute and further, clearly were not there to protect our interests as their customer, but rather only wanted to help the Merchant we believe, so Citibank could keep its fee. We are outraged that we have a refundable reservation and can not get a refund. We would appreciate your help because after 4 months of fighting this, we are out of options and energy. Thank you very much. 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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2023-05-18
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2022-10-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$4800.00}

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 2023-02-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Found this card in my husbands things after his death. Called to inform them in XX/XX/XXXX that this was not opened by me and I did not authorize My spouse to open this account. Letter sent to Customer Service/Fraud unit on XX/XX/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 2019-03-31
Company: Keystone Credit Collections Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOT, MINE. FTC VIOLATION. HIPPA VIAOLATION. HAVE NO KNOWLEDGE OF THIS COMPANY.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-27
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019. Picture show chat between agents and I. No APR was ever quoted with rates so it made it impossible to shop rates. I wasnt sure if either of them were even licensed. I had to physically ask. I feel deceived. Is Quicken not held to the same standard? I am uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions Inc.
State: MN
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 need to File a formal complaint on behalf of Experian On XX/XX/XXXX I sent in a letter asking them to please send me the Original signed consumer contract for any and all accounts that they post on my credit report But they refused to send me any of the Information that I asked them to Provide. Per The Section 609 ( a ) ( 1 ) ( a ) Experian is REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT IN MY CASE THEY DID NOT PROVIDE ANY OF ORIGINAL DOCUMENTATION REQ UNDER THE SECTION 611 ( A ) ( 1 ) ( A ) OF THE FCRA A CONSUMER CONTRACTWITH MY SIGNATURE ON IT AND ALSO SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THE LAW IS VERY CLEAR ON THIS LAW.

i HAVE REACHED OUT TO THE MN ATTORNEY GENERALS OFFICE FOR ADVISED ON THIS I ALSO ASKED THAT E XPERIAN PLEASE UPLOAD THE CONTRACTS WITH MY SIGNTURED ATTACHED ON THIS CFPB SITE WHEN YOU RESPOND TO THIS COMPLAINT. IF YOU ARE UNABLE TO DO SO PLEASE REMOVE THE ACCOUNT LISTED BELOW ASAP I ALSO ASKED EXPERIAN TO NOT REPLY BACK WITH I NEED TO CONTRACT THE CREDITORS THE FCRA 609 / 611 AND SECTION 617 REPLIES TO THE REPORTING AGENCIES WHAT WOULD BE.

AS YOU TRIED TO DO THAT WITH A XXXX XXXX   ACCOUNT I WILL NEED FOR THIS ONE TO BE REMOVED ASAP SEE FILE FOR COMPANIES FEED BACK!

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX | DOB XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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

I demand the following accounts be verified or removed immediately. 
ALL CREDIT INQUIRES 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 2021-02-19
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
I notified XXXX that I am a victim of identity, and XXXX responded that they verified a fraudulent account, which I not sure how that's done. Please see attached FTC for fraudulent accounts that I had nothing to do with and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions 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:
I have a delinquent account that has now shown up on both by XXXX  report and Experian Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX  and Experian and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.

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 2021-05-26
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account is restricted from trading, deposits, and withdraws due to verification pending. Ive sent my ID and tried their Wire Transfer option to prove my identity and still havent heard anything from the company. It has been almost a month and i have money in my account that i need. Ive sent them mulitple emails with no reply, i honestly feel like they are scamming me at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
You are still violating my consumer rights I asked you to investigate an account on my consumer file XXXX XXXX isn't accurate information. Also, you didnt do a proper investigation, infact you verified this account on XX/XX/XXXX  ( SEE EXHIBITS ). Delete this account because of failure to report notice of dispute. DELETE THIS ACCOUNT from file 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 2019-01-27
Company: SYNCHRONY FINANCIAL
State: DC
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:
XXXX XXXX, PA XXXX, Syncb XXXX, FL, XXXX XXXX XXXX, are all the creditors that are reported on my credit report that caused my score to decrease unlawfully. My XXXX  score was XXXX dropping 93 points and my XXXX  score was XXXX dropping 139 points I'm not a credit expert but, I've been working on fixing my score for the last almost 2 years and now due to two inquiries and a {$70.00} increase that means my score decreases that extremely? Or is it because I'm a XXXX XXXX  man that's trying to better my credit score and my life so all odds are against me? Please restore my credit score That I work so hard to fix that they 3 bureaus took from 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 explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: NJ
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 XXXX I sent a letter regarding inaccurate account on my credit report. To this day over 90 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. Equifax has violated my rights. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXXXXXX credit card refused to verify and remove the account from my credit report which affected my credit. I have asked them in writing and verbally to remove the Closed account. The only account with XXXX XXXX verified and accurate is the account with a {$2000.00} credit limit.

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 2019-01-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Open a savings and checking account with Chase Bank. Accounts were approved and open made a deposit 2 days later informed that accounts were declined. I set up direct deposit with my Human Resources Dept faxed letter received from Chase.Attempted to sign in on my online accounts and password was not accepted. I called customer service only to be told my accounts was denied. I explain I went into a branch and made two deposits. I was told that I will be receiving a letter and a refund within 14 business days. Who does this? The embarrassment of contacting my HR department explaining my account was denied and trying to open an account is highly embarrassing. Very bad practice. I am devastated.

Company response to consumer: Closed with explanation