BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment 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 100 % true, accurate & correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: GVA Holdings, LLC
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
So CashAdvanceNow, now XXXX XXXX, charged my bank account twice. One of {$64.00} the other {$76.00} and I did not give them permission nor authorize the charges. The payment is usually once every 2 weeks but they charged me twice in one day yesterday. What's more unsettling is they never contacted me to do so and they changed their name to XXXX XXXX which I wasn't aware of. If you go to their website www.cashadvancwnow.com it would state that they changed their name to XXXX.Very shady loan business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3 attempted purchase at a XXXX in MI on XX/XX/2022. Phone number for location of purchase ( 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 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received the information from a USAA banking customer service representative that my online access had been suspended and that my 3 personal accounts and 3 joint  accounts with my husband were being closed as on XX/XX/2020. There was no explanation as to why this was happening only that the " powers at be '' made the decision and there was nothing that could be done. I asked to speak with a supervisor and received a call back 3-4 days later. I was told the exact same thing and given an address that I could send a Dispute letter to. I asked to speak with his supervisor or someone that could give me some answers as to why and how this decision was made. He said he would leave a message. I mailed the dispute letter off and my husband posted a complaint on social media how I and my family were being treated with he being a USAA member for 24 years and I having been a member for 7 years. This decision does not only affect my accounts but it also affects my husbands business with USAA as well. We were model, loyal customers that pay tens of thousands of dollars/year in insurance premiums for personal and business, we have loans and multiple accounts, including our children 's accounts. We have never been late on any payment, have never overdrawn our accounts and have always been in good standing with USAA. I received a call on XX/XX/XXXX from an executive dept representative confirming that they had received my letter and my husbands complaint and that they were standing by their decision to close my/our accounts and still would give me no reason and stated that they did not have to. I was never asked one question about anything and I have been  told that banks usually only take an extreme measure such as this when major fraud or breaking the law has occurred. I assured them that I have never committed any such act and felt that this " investigation '' was a farce and I am the victim in all of this and would like someone to stand up for me and help resolve this issue. I have done nothing to warrant a decision such as this and it has completely disrupted my family and our belief in a company that claims to be available, accessible and supportive to their military members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to Missouri in XX/XX/2023 and have resided here since. Upon leaving Oregon I paid all debts in full in term of utility bills, XXXX XXXX was included. There was no unpaid balance. I did not open any account in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2022-12-31
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
I divorced my spouse over two years ago and want my name removed from the mortgage at Experian and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to Experian andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Back on XX/XX/XXXX, at XXXX XXXX in XXXX XXXX, I reserved a VIP table to celebrate a friends birthday. I ordered a ( XXXX ) Champagne parade, bottle of XXXX XXXX XXXX XXXX XXXX, as well as bottled waters & XXXX XXXX. I am not disputing this at all. I have the orignal reciept for {$5300.00} which is also the " Pending Amount '' that was put on my CC when the purchase went through. ( I have a screenshot of this showing on my BOA CC transaction history that night ). The amount XXXX XXXX charged my CC was {$10000.00} Time Stamp on the reciept I have is XXXX for {$5300.00}. BOA orginally credited my account {$5000.00}, the amount I disputed because the merchant did not respond. They only responded when realizing the money was refunded back to me. I made numerous attempts to contact thge GM of the club as well as the VIP host that went unanswered. 
On XX/XX/XXXX, BOA denied the claim after refunding me my money. They claim the Merchant submitted receipts. ( thise are attached ). I have MAJOR issues with the reciepts. Not only do they not have my signature ( one isntn even signed ), the time stamps don't match up. There are 3 different amount with 4 different time stamps. 
The additional amount that they charged me was for another round of a champagne parades which I did not ask for at all. The waitresses did this for themselves not for me & proceeded to charge me for it. Not only did I not get the $ XXXX receipt, I was told " Don't worry it's all set ''. This is FRAUD as they charged my card {$10000.00} for items I did not order & did not recieve. I've been in the nightclub busy 20+years, this is a scam & I have seen waitresses do this on many occasions. 
BOA customer service told me they can not believe me but only believe the merchant because they provided reciepts. Well I provided reciepts as well showing what I was originally charged. How is it that I have the original reciept with the correct amount & they have multiple reciepts with 3 different amounts & 4 different time stamps?

The signatures are not even close to mine at all & neither are the intials. That is clear as day,. BOA told me they can not base the claim on signature becuase my CC was not stolen!! 
This is FRAUD on the merchant & I should be charged the {$5000.00} for items I did not recieve or order.

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 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XXXX of 2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2023-04-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
sir, XXXX XXXX  XXXX  agent told me that he deposited court entrusted reimbursement amount from XXXX XXXX in my coinbase wallet. for the activation of that amount he insisted to pay XXXX $ biticoin to my coinbasewallet. when we deposited XXXX $ biticoin, he withdrawn total amount from wallet without my approval and consent. he also created fake coins and deposited in the coinbasewallet. please take action against blockchain agent and recover my XXXX $ regards rameshnaidu

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX mortgages with Fifth Third Bank. I have been making all payments using their online banking system. Today I tried to login and was unable. I tried resetting my password but their website stated that I needed to call. I have called XXXX  times without being able to reset my password or regain access. Each time I have connected with a representative, I am told that I need to speak with a different group. During the transfer, a recording says that I am being connected to something like " fraud services department '' before being disconnected or given dial prompts that do not function. 

I am concerned for the security of my accounts and the initial agents I speak to refuse to help. They continue to insist I need to be transferred despite my explanations that the transfers don't lead anywhere. I don't know what to do. I want to know why my online access was taken away - especially if it was due to security concerns. I also need to login to make my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: CA
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:
After going several rounds with grossly incompetent Equifax employees, trying to get information on my credit file removed, that was the result of identity theft, I finally thought I had success. Unfortunately that wasn't the case. Sadly, even though the dispute results they have provided me indicate that the information was removed, it is still active on my credit file. I have exhaustively tried to work with the poorly trained staff, to get this fixed but every person I speak with provides a different story and none of them have resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, DNF Associates, XXXX XXXX, are violating my federal rights and I am seeking direct legal action against all. 

Debt : XXXX XXXX installment loan 1. These companies/ entities are attempting to sue me without prior notice.

2. These companies are attempting to sue me in a state I do not live in nor the state the contract was signed.

3. The debt is past Statute of limitations.

4. I have contacted attorneys in my state of residence and the state they operate in and I am starting legal proceedings against all 3 agencies in said state.

5. The state signed is not the state I resided in when the debt went to collections. 

6. They are using an address in the state they operate in as a possible address I live at. I have disputed this address since it first reported on my credit accounts around XXXX of 2022. I never lived at that address and have a sworn affidavit attesting to that. 

7. The original loan contract which they are bound to abide by, states arbitration and not civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: LendingPoint Holdings LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act

Company response to consumer: Closed with explanation