BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
USAA terminated my account for filing a complaint for turning me into debt collection and terminating my account without cause. My father fought in the Korean Wat which is why I had an account with USAA to begin with. However, much like the VA USAA has decided under its new CEO to treat members of veterans like trash. I have attempted to login to pay towards my credit card and now I cant even login and I get letters from USAA that prides themselves falsely so that the take care of veterans and their families that I better pay or else. This conduct is outrageous and constitute harassment. Do something about it or I will turn it into the Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts/items do not belong to me. Please delete 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 2018-03-12
Company: Monarch Recovery Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Never given amounts, refused to send verifying documentation of amount owed and to whom it was owed, multiple calls, called XXXX XXXX family members claiming to be lawyers or police and that if they didnt pay the amount owed ( again never reveling amount ) theyd take legal action for bank fraud, my husband owes no debts, we just purchased a home and paid off all our debts so. I do not like when these companies harass people and lie to get debts that were already settled ( they pay for the amount not settled and I really wish the government would change that option to not be allowed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with XXXX lending Loan care originally and I had called them during the COVID Pandemic crisis and let them know I wish to apply for forbearance which they had said they would look into it and has verbally agreed that I would actually be qualified for 180days period and they would discuss closer to 180 days for further extension if need be so due to my financial hardship.But after couple of week my mortgage services was switched to a new company PHH mortgage company.I had  to reapply for forbearance again and this time they only gave me 3 months for forbearance and have asked me to do a balloon payment at the end of the period Without giving me any options nor did they discuss any other resolutions. I am not happy with the current service provider and wish to have my original servicer to take care of my mortgage needs.If mortgage companies decide to switch companies amongst themselves there should be some discounts to the consumer as this is a ploy to harass us!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Credit inquiry from capital One on XX/XX/2021. Did not apply for credit. 

Credit inquiry for XXXX for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 tried disputing and asking for verification on these accounts, and the only information they give is these accounts have been verified. They do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX {$22000.00} XXXX XXXX XXXX # XXXX {$450.00}

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 2023-05-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kindly request that you update my account as soon as possible to reflect the correct information

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " XXXX XXXX, is : XXXX XXXX, From XX/XX/2018. XXXX  Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.

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 2023-07-18
Company: EQUIFAX, INC.
State: MD
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 made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a venmo account for my son to be able to receive a XXXX gift on XX/XX/2022. From the start i was having problems adding a bank account. I kept getting error messages and my account was frozen by venmo. I have contacted them several times by email since XX/XX/XXXX asking if i can just send the money back to the sender and they would not provide any assistance with that. They have emailed me requesting to upload an ID and bank statement which i did. I then followed their instructions to attempt to link my bank account and still i was not able to. I have tried doing that so many times and i was still not able to access the funds. I tried adding a bank card and sending the funds back to the sender and i have gotten nothing but error messages. There was nothing i could do on it. Still today on XX/XX/XXXX this is unresolved. This is so frustrating and i am really tired going back and forth with venmo 's account specialist on email with no help from them. I just want the funds returned to the sender and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06
Company: CITY NATIONAL BANK
State: CA
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:
On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. 

On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. 

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. 

On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. 

On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. 

I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened at Sunrise Credit in XX/XX/2022. I did not open this account. When I saw Sunrise Credit on my credit report I immediately contacted XXXX they stated that I was a victim of identify theft/Fraud and I should contact the credit bureaus to report a identity theft/Fraud incident. XXXX XXXX Sunrise has never contacted me about any type of account that I owed. This is not an account that I opened. I disputed this account with XXXX and with Sunrise. XXXX continues to report that Sunrise has verified that this account belongs to me after I disputed it three times.

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 2023-09-09
Company: Financial Assistance Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company was unresponsive at first, and then responded rudely after a while. There have been no updates after that call on the XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I have contacted Equifax concerning Items on my credit report that our incorrect. I have not been able to get a response from them concerning the matter. I am a victim of identity theft and according to FCRA 605B 15 USC 1681 : you are required to block & delete all info from the report attached here in 4 days. My information has been compromised Or Im a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - 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 2021-04-30
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX  and the lawfirm XXXX are trying to garnish wages. XXXX named 3 to many XXXX on the bill so insurance did not pay. They are now trying to sue without proper notification. I learned of this garnishment from a mailing I received at an incorrect address. This has been going on since XX/XX/2020. The last 2 court dates I have had has been pushed out because, I have not seen he actual documents. Each court date their is a different lawyer and nobody can tell me what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 with product or service terms changing

Complaint:
XX/XX/18 opened account and checking account with usaa. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to USAA she couldnt give me any more information or escalate my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CORELOGIC INC
State: MD
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate.

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 2023-04-20
Company: EQUIFAX, INC.
State: ME
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 XXXX # XXXX, Account name XXXX XXXX : # XXXX, Account name XXXX  : # 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 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 explanation
Consumer complaint received 2023-04-20
Company: Resurgent Capital Services L.P.
State: TX
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:
Ive never signed a contract with R/C Resurgent Receivable.They claim I owe them {$390.00} and account number begins with XXXX. I need this account deleted from my consumer report as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation