BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ 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 2020-10-19
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello My name is XXXX XXXX. I have an account with US bank relaicard. on XX/XX/20 my debit card was blocked because of suspected fraud. They requested that I send in a government issued ID along with a front and back copy of my social security card, and a recent bank statement. I was told to include my card ID # XXXX on all documents sent. I faxed all of those documents to the fax number provided. I also uploaded those documents directly to reliacard via my US Ban k Reliacard app. I called to confirm if my information had been received, and it had. Fast forward to XX/XX/20, my card was unblocked and I thought all was well until XX/XX/20. My card has been locked AGAIN! I don't have any access to my money and this is the second time that this bank has done this to my account. I don't want to continue having these same problems with this bank. I feel helpless because I can't get through to speak to anyone. Also the wait times are ridiculous only to be hung up on after waiting on hold for over two hours.

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 2022-11-20
Company: EQUIFAX, INC.
State: LA
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:
Equifax is not taking the proper time to investigate disputes. For example i submitted a dispute on XX/XX/2022 and results came back the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through Zelle which is connected to my XXXX bank account. I sent XXXX separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using Zelle  through XXXX. XXXX weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I contacted Zelle immediately after speaking to XXXX and spoke to several reps regarding my situation. All in the same day, twice they referred me back to XXXX, and during the third conversation they finally stated despite any proof, police reports or claims, they are unable to reverse the transactions and would not be able to help recover my funds. They said it's because the transaction is " like cash '' even though it was initiated directly through my bank. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Zelle has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. 
I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX  which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 
2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
State: MT
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:
My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an old account still showing I owe and I settled and paid it. The credit bureaus are not complying. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XX/XX/2018 I made a payment to XXXX XXXX XXXX in XXXX, NE. I was running a little late on my payments so I made a payment of {$30.00} on XX/XX/2018. The amount shown past due at that time was {$28.00} so i actually paid more than what was shown as overdue. The payment was due on XX/XX/2018 so I made the payment early. They havd notified the 3 credit bureaus that I was 30-59 days past due, which is incorrect.

This has had a substantial negative effect on my credit score. Since the total amount due shown was {$64.00}, due by XX/XX/2018, how was I late. The amount circled shows the past due amount. While I was a few dollars short of the actual payment due, I still paid the overdue amount before the date due. Is this some sort of scam on the part of this company to charge more fees? This looks like a deceptive trade practice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Panhandle-Plains Student Finance Corporation
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: Account information incorrect

Complaint:
This is a different account for Panhandle PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX   LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage calls one time when I was at work could not talk and replied back to the consumer financial protection bureau that the issue was resolved. How can an issue be resolved if you never spoke to any one. Wells Fargo Mortgage is deceptive and nothing but fraud with answers replying back as they talk or fix the issue. I'm also in the process of filing with the US Attorney office for several issues regarding my signature as not mine and other various documents altered by Wells Fargo Mortgage.

Wells fargo calls at late times as if not other XXXX tactics they use in as they call solved this issues is never going to be solved playing games and one lie after another lie.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  has my information mismatching with Someone else and so does transunion it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone

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 2021-11-02
Company: EQUIFAX, INC.
State: FL
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:
I have a list of inquiries reporting to my Equifax account that are false and doesnt belong to me. I have attached the list of inquiries that are stating to be opened on XX/XX/XXXX & XX/XX/XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America falsely reported bad credit to the credit bureaus and closed my account, which I have had with them since 2002. I am living overseas at the moment, so I do not use the card frequently. Then all of a sudden, I got an alert that I had a {$50.00} unpaid bill from Bank of America and that they had reported delinquent credit two months in a row. This was unbelievable to me, since I had not used the card. But I paid it anyway, just to get them to stop reporting my credit. But then they closed my account, after 16 years of being an excellent customer.

I spoke to XXXX XXXX today, a supervisor in their customer service department. But he refused to help and yelled at 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with 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  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish a 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 Any other adverse items of information, other than records of conviction 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 information is inaccurate.

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 2019-08-12
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2017-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Public record information inaccurate

Complaint:
In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.

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 2023-08-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
This is a violation to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 


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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS IS NOT A DUPLICATE REQUEST : I did not receive notification from Diversified Consultants of this debt. The notifications attached to claim XXXX were old bills from XXXX, the final bill from XXXX, and the document I requested from Diversified Consultants on XX/XX/2018. 

THIS IS NOT A DUPLICATE REQUEST : PROVIDE NOTIFICATION FROM DIVERSIFIED CONSULTANTS OF THIS DEBT PRIOR TO REPORTING DEROGATORY ACCOUNT INFORMATION TO THE CREDIT BUREAUS ON XX/XX/2018 AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. This debt hit my credit reports on XX/XX/2018 ; so notification should be dated between XX/XX/2018 - XX/XX/2018! 

Diversified Consultants has NOT provided notification documentation prior to reporting derogatory information to the credit bureaus on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am 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 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 2022-11-18
Company: CORELOGIC INC
State: PA
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last active is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under.

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. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # 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