BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: ROC Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt collection company called Jefferson Capital that has put an unpaid collection on my personal credit bureau. It appears that they are trying to collect on behalf of XXXX XXXX. XXXX XXXX has tried to do this to me several times in the past and can not show me where I ever had a past due or unpaid account with them. I had to call them on the phone and have even gone into their retail store but no one can show me this past due record. I believe someone fraudulently used my name because I was a past victim of identity theft ( I had some checks stolen from my apartment in 2006 ). However XXXX still can not provide this documentation even though they try to collect from me every 2 to 3 years for this fraudulent record. The last time I had a XXXX account was in 2006 and it was paid and closed. XXXX is trying to collect a phantom or fraudulent debt from 15 years ago! I have been out of work since the pandemic started and this is once again affecting my credit score. Also, it is the only derogatory credit that I have had in 20 years! Please have them cease this and remove the collection from my credit file. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: NC
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:
I have sent letters out via first class mail.. According to the FCRA, These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been getting nonstop phone calls from this company for the past 6-8 months. I had insurance at the time of service and they did not update it in their system. I have been insured since 2011 with the same insurance. I decided to get onto a payment plan due to the non stop phone calls and harassment. I was also told it would go on my credit report and ruin my score. I have decided to no longer make payments due to their negligence of updating their system and the non stop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
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 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.

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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account XXXX XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

The letters are stated with items and issues. 

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.

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 2022-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I ordered a Cashier 's check over phone with USAA on Wednesday morning XX/XX/XXXX for {$15000.00} for a new car purchase. I had additionally paid the extra fee for 1-2 day expedited shipping The money was debited from my account that same morning Wed XX/XX/XXXX and I received an inbox notification of the Cashiers ' check transaction on XX/XX/XXXX. The inbox notification states " to request a tracking number or to obtain a copy of the authorization, please allow one business day, then log on to usaa.com, our mobile app or call us at XXXX. '' By Friday XX/XX/XXXX, I had not received any notice of a tracking number on the mobile app or USAA.com. I contacted USAA by phone Friday morning XX/XX/XXXX to request a tracking number for the check. I was told they have no tracking number and they did not have any record of the check, but they did not see any errors and that everything was fine and they will put a note on my account that I called. 

I contacted USAA by phone Friday evening XX/XX/XXXX. After almost an hour on the phone, I was provided the same information, there is no recored of a check, and they can not provide a tracking number, but I should get one by Saturday XX/XX/XXXX. 

Saturday XX/XX/XXXX, I have not received a tracking number. I call the XXXX number for the third time. Again, they can not provide a tracking number, there is no record of a check, and they dont ' even have a check number. I was placed on hold multiple times before being told I was being transferred to a manager. After being on hold for another XXXX mins waiting for a manager, the call was disconnected from their end. 

- XX/XX/XXXX {$15000.00} was debited from my account for Cashier 's check that was supposed to be shipped in 1-2 days business days and a tracking number would be provided per their disclosure. 
- As of XX/XX/XXXX, USAA can not provide a tracking number, they can not provide a check #, and they can not provide any record of a check being produced. 
- Based on USAA policy, a cashiers check can not be cancelled for 90 days. 
- So based on their own policy USAA is holding {$15000.00} of my money for 90 days that they have no record of. 
- {$15000.00} is missing from my bank account, and USAA has no record of it. I've contacted USAA support 4 times in two days, been provided no assistance, no answer, no resolution, and been disconnected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Good Afternoon, I am respectfully requesting your assistance to recover funds from TransferWise of XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I hold 2 accounts with them a business account and a personal account. 

1. On XXXX XX/XX/2021 I received an email from TransferWise support advising me that an incoming wire for US {$63000.00} was on hold pending additional documentation being sent. I complied immediately and sent the requested documentation. 
2. On XXXX XX/XX/2021 TransferWise support contacted me again requesting invoices for 2 incoming wires for XXXX XXXX XXXX  and XXXX XXXX XXXX. Again, I complied immediately and sent the requested documentation. These wires were returned to my XXXX. 
3. On the XXXX XX/XX/2021 support contacted yet again advising me that my accounts had been suspended. No notice period was given nor any reasons for their actions. 
4. TransferWise support then advised me that returning my account balances could take up to 90 days due to your compliance procedures. 
5. The balances suspended are US {$780000.00} in my business account and US {$2400.00} in my personal account. 

I am extremely frustrated by the fact that you suspended my accounts with zero  warning, which I consider to be totally unprofessional and extremely unethical. 

Most of the funds in my business account were earmarked for my XXXX  and now I find myself in a position whereby I can not fulfill my financial obligations in a timely manner thus affecting my credibility and good standing. 

I have since complained and appealed for a refund and received the below email on XX/XX/2021. 

Hello XXXX XXXX, Weve decided to keep your TransferWise account closed. 

Because you still have money in your TransferWise balances, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks. While we do that, your money and information will be safe and secure. 

This can take up to 60 working days. Please get in touch with us after that time so we could give you an update about the money held in your balances. We wont be able to provide any info on this in the meantime. 

Unfortunately, we cant tell you the specific reason why weve closed your account its because of how were regulated. But you can read our Terms of Use, where we explain how were allowed to close accounts. 

Thanks, The TransferWise Team I have a full set of emails from TransferWise should you require these. 

I have grave concerns about the way this organisation is conducting their business activities and how they can treat consumers in this way. 

I really do need your assistance with this matter. 

XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been reporting the Date of last activity incorrect on my credit report. Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for TransUnion. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.

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 2021-02-17
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Account was opened XX/XX/XXXX. Thats when the calls started. They called 15 times a day from XX/XX/XXXX until XX/XX/XXXX. Before the hours of XXXX, after XXXX on weekdays and weekend calls have also been noted - totaling 120 calls between XX/XX/XXXX and XX/XX/XXXX. These calls can be directly linked to the company due to the fact vanchuffman came up on the caller ID. On XX/XX/XXXX a dispute was opened to state that this amount was incorrect, that the original balance was not being reflected on what Vance and Huffman claimed they were owed. The consumer reached out to resolve this issue only to be disrespected with abusive language and threats - with no validation received. My understanding is calls cant happen after a dispute is opened ( strike 1 ). They never validated the debt or reached out to the consumer via letter to validate after the consumer asked ( strike 2 ). They have unlawful business practice and extortion techniques ( theyre impersonating a law firm to try and appear as legitimate ( strike 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For several years I have received notices from XXXX XXXX XXXX. According to the notices the debt is for Fifth Third Bank. Although I admittedly owed Fifth Third nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to XXXX in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX  ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX  access my account on line. ( It has always been working for me without issue ). I immediately went XXXX  the local branch XXXX  find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX  me. I was in shock. 

How come in a sudden my account is closed?! It was in good standing with a balance! 

I called the back office with the reference number she gave me XXXX  the back office rep. told me my account was closed XXXX  " PNC does not want XXXX  share the reason with me " XXXX  that was final. 

On top of the huge disruption XXXX  my business, I also feel being violented. My human right is violented by the PNC bank. 

I am looking for my human right protection from CFPB. XXXX  proper compensation for my loss from the PNC bank.

Company response to consumer: Closed with explanation