BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. 
In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX  to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}

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 non-monetary relief
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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:
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
Hi, I've mailed multiple letters to Equifax disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this Equifax continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a clear violation of my rights. Furthermore, I have not yet received a response from this bureau to date. I have attached a copy of my credit report highly these errors along with copies of the letters I've mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Radius Global Solutions LLC
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: Their investigation did not fix an error on your report

Complaint:
RADIUSGLOBAL ( Original Creditor : XXXX XXXX ) Account # XXXX Date XXXX Balance : {$680.00} I do not have financial obligation on this account.

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 2019-08-23
Company: EQUIFAX, INC.
State: FL
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:
These Cards or Accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: FL
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:
These Cards or accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was a victim of identity theft and I have no acknowledgement of these accounts

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX claim # XXXX XXXX # XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XX/XX/21 - XX/XX/21 in between these dates there was Fraud use I called Bank of America as soon as I was not receiving my debit card which they had told me it's already been activated and used and for one I filed a complaint that day when I found out my money was taken out with Bank of America they gave me credit for most of it except for the {$6000.00} and {$5000.00} they didn't give me credit for but the rest they did they keep denying my claim saying that customer is reliable so okay I let it I asked him for their supporting documents so why they made the decision and they sent me a picture of a male at ATMs in Florida using my card with a mask covering his face I sent them my supporting documents my ID paper showing where I was around this time and they still keep denying my claim as it's already been going on for a year now how are they going to give me credit for the other ones but then last two claims they're all happening around the same time they won't give me my credit for them like if they were investigating right they would see that it was not me that's totally someone else and it's not even nowhere near where I'm at I just need to give me my credit or investigate the claim better because I feel like they ain't doing nothing they're just as soon as they get it they deny it and I reopen it back up that's not fair because it clearly shows how am I responsible for that and I already done coping XXXX XXXX XXXX and then put so many file complaints in and it's past the 45-day mark and it still ain't made a decision and every time they go look at it as soon as they look at it for my credit for my claim they deny it and the documents I sent it clearly shows it's not me and it's not nowhere near where I'm at I even sent them mine documents and still I just feel like they ain't looking at it or ain't investigating it right and it just like just keep denying it and kind of give me my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently looked over my credit report and noticed this fraudulent account reporting on my report and want this account removed from my report 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 explanation
Consumer complaint received 2023-04-19
Company: COLUMBIA BANKING SYSTEM, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We financed 2 pieces of equipment with Alliance Financing We were then told our payments go through another Company '' Financial Pacific Leasing '' Everything was fine ( we have auto draw from our bank account ) until we needed to switch our bank On XX/XX/XXXX, I informed XXXX XXXX XXXX that we were changing banks She went me a form to give her the new Account info Then on XX/XX/XXXX, I was informed XXXX doesn't handle that That was when the horror began with " FinPac ' ( Financial Pacific Leasing '' No one could confirm my account I filled out numerous forms, they still said my account did not exist Finally, my bank wrote a letter I was still charges over {$100.00} in late fees ( we have 2 contracts I cant get a statement of my account ( only XXXX XXXX can do that I have requested a statement 6x 's ( in writing ) No supervisor will speak with you I need a monthly statement and a statement of my payments.

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 2015-07-16
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
sw credit for XXXX for {$510.00}. I believe this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-06-23
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Attached is a venmo rep telling they are fixing ny accout so i can log into it and transfer funds that they stole twice now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There are XXXX overdraft fees on my account due to a XXXX charge of {$5.00} that is set up via XXXX that should have used my XXXX balance instead of this funding source ( which I currently have a dispute ). There is also a XXXX charge of {$45.00} that was supposed to be paid in cash but when the cashier scanned my XXXX XXXX XXXX she said it automatically charged the XXXX  debit card that is linked to my bank account. I called PNC Customer Service today and I was advised that the fees could not be waived because service fees had been previously waived. The rep was only able to tell me that the service fees were from XX/XX/2018, however, I had issued with my account during that time and I was advised that the free checking had been switched over to a monthly fee checking acct. The representative advised the monthly charges would be waived and my acct was switched back over to a free acct at no fault of mine. The XXXX overdraft fees have caused my acct to go further in the negative. Please refund the XXXX overdraft fees totaling {$72.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
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:
On XX/XX/22 I sent Transunion a dispute letter breaking down to them how they violated my rights as a Consumer. It's been 30 days and I still haven't received the appropriate results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 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 information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a member of USAA Federal savings bank for 17 years. I got my first account there at age XXXX, I was able to get this account because my deceased father was an XXXX XXXX XXXX. I used USAA for checking, savings, car and renters insurance. They recently closed my accounts stating they couldnt give me a reason as to why they did, I spoke to many managers and refused to hang up without an answer and after two hours on the phone they ended up telling me someone would call me which of course they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Applied Business Services, 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: Information belongs to someone else

Complaint:
I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and XXXX. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to XXXX to verify this debt per the FCRA. I have also repeatedly asked XXXX to verify this negative information as well, but XXXX claims they have verified this. Obviously XXXX is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! 

In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.

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 2018-07-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the  debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
BBVA is falsely reporting TWO late payments on my account to XXXX Credit Bureau. There was only ONE late payment in question and already has been disputed numerous times secondary to failure of communication, false assurance and delays in providing a demand letter from BBVA as explained in my previous complaint. But to find out that they are actually reporting TWO past 30 day payments is infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can get my credit report on XXXX XXXX for XXXX and XXXX XXXX but Experian says no data available. 
I have no debt and I have paid XXXX XXXX to assist and still nothing. 
I cant build credit because Experian. 
So how can XXXX XXXX pull data and Experian not? 
To me this is a scam because Experian says I qualify for loans and then I am denied the loans causing inquiries to add up. 
Experian is causing the problems and charging me to see Credit report when they have no score. 
This is negligence and fraud any lawyer and judicial court can see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation