BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: SC
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 a payment was made with my debit card for a service in which I would receive information from a company that promised to help protect my children. Between XX/XX/2020 and XX/XX/2020 I was continuously asked for more money by the company in {$5000.00} increments. None of the promises made by the company were done and their was constant excuses for the services not to be performed. In the midst of services that were to be rendered my contact person was changed and there were continual excuses and promises of phone calls and updates that did not occur. I also continued to received docusigns from the company trying to commit me to pay more and more funds to the company for the original services. On XX/XX/2020 it became apparent the company was used to scam consumers and did not do what they said they would do and a dispute was filed with Charles Schwab regarding the company stealing funds and the provisional credit of {$5000.00} was placed back in my account. 
On XX/XX/2020 I received a notification my account was overdrawn. There was no other communication regarding the dispute until that time. I called Charles Schwab on XX/XX/2020 and was told that the dispute was closed because the company had submitted a form with my signature on it ( however it is not a signature I have ever used with the bank ). I immediately submitted documentation showing information regarding the dispute. On XX/XX/2020 when I had not heard back I called Charles Schwab again and was told they did not receive the documentation that had been uploaded. I have pictures that I then sent to Schwab of uploaded documents and confirmations of those uploaded documents, along with the information showing that this company had a history of scamming individuals, and cheating them out of funds. I also provided texts in which the company owner states he did not provide a report or fullfill the obligations of the service. I have constantly contacted Schwab since that time for consumer protection as I did not receive any services paid for. I have received messages with phone numbers to contact the investigator, attempted to call, and been hung up on. It is now XX/XX/2020. I have been without funds in my checking account a negative balance for almost a month where I was very clearly scammed and have asked for help from my bank. 
Charles schwab also sent an email to those with their services stating they take fraud seriously yet my experience in this case is that they are not taking care of the customer.

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 and XXXX has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
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. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow 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 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back. 


After 15 years with Bank of America and pouring my money into this bank, I am pulling all my money out and not using it until they fix this clear fraud/scam. 

As a victim and loyal customer of Bank of America, in these critical times like this, I expect Bank to fight for the customer. Based on my evidence this is a clear case that I used my checking account to pay for an item whether the SYSTEM and program don't recognize as a merchant transaction.. I can see the true color of Bank of America when comes to a $ $ $ $ they don't want to help the customer ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a charge account for {$300.00} and I only made one charge of {$150.00} and this company is committing fraud by putting it on my credit report for {$610.00}. Ive disputed this account before with credit bureaus and the company trying to rip me off and nothing has been done. Please get this removed and taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
i was told that if I consolidated all my student loans that all old late payments and charge offs would be removed from all three reports. XX/XX/2018 my loans were consolidated and items still on report. also have XXXX XXXX XXXX helping with credit repair since XX/XX/2018. They have gotten a lot of the late payments removed. Still have about 68 items left between all three reports left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old and inaccurate information remains on my resident screening report which is not allowing me to be approved for new rental housing.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: GA
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-06-03
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Mountain Run Solutions, acct # XXXX stating I owe a debt of {$550.00} that is in collections. It states my name, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and the name of a business after it, for which I have no affliation with whatsoever. I have researched and such a business exists in XXXX, I have NEVER been there and do not owe such a debt. 

I sent a certified letter to the company from my legal advisor which was REFUSED. Upon further review I found that the suite number on the letter head was different from that in the body by one digit, eventhough the suite was next door AND owned by said company they refused the letter unopened. I have kept the unopened letter. I am on XXXX and the only bills I have are for medications and doctors, which is quite difficult. This whole issue has caused me a great deal of stress above and beyond the chronic pain that I suffer with daily. 
Here again is the name of the company from which I received a letter : Mountain Run Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah, XXXX ph XXXX XXXX. The address for the remittance in the body of the letter is the same except for XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: NY
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:
For the last 18 months, XXXX has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below XXXX erroneously reported between 60 - 150 days late. According to XXXX customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with XXXX  shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, XXXX has granted me a national disaster forbearance, but they are still reporting derogatory for said months

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 2022-11-07
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}

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 2021-05-08
Company: Concord Servicing Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, I was granted a loan through XXXX lender, a company that no longer exists. That loan was bought by Concord Servicing. I am trying to get a copy of my original loan terms through Concord Servicing, but they have repeatedly ignored my requests for a copy of the loan terms.

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 2017-09-19
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.

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 2023-05-13
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. 

They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in 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 2020-12-15
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to reach out to Midland Credit Management about an account they allege I am responsible for. I have sent documentation on two separate occasions which they have never responded to me showing me proper documentation that I owe them.

Company response to consumer: Closed with explanation