BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Have had multiple issues with USAA. Without any notice or right to cure sent usaa sent a repossession company to my home at midnight on Thursday. After a back and forth the company called my local police. After speaking with the officer the officer requested the company leave my property. After the officer left the driver returned to my home and threatened me by telling me to be ready as he will be back. This breaks laws, morals and speaks to the standards of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the 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 mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Both XXXX and transunion are reporting inaccurate account balances

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 2019-09-05
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently look at my credit report for all three credit bureaus back in XX/XX/2019 and I noticed one particular debt that was closed and charged off but, in collections for the amount of {$3100.00} with a collection agency by the name of Monterey Collection Service. I had no clue who the original creditor is ( XXXX XXXX XXXX ) nor where this debt even came from. I have never received any letters from the original creditor about this debit nor the collection agency it was obviously sold to. I recently mailed Monterey Collection Service a debt validation letter certified on XX/XX/2019 and they didn't responded back to me until XX/XX/2019. The letter only stated that they had given me 30 days to validate the debt but never provided original documentations from the original creditor what the accurate amount of debt was or any of the documents that I had requested from them by law per the FCRA. I have been disputing this with all three credit bureaus and they keep saying that this company is saying that everything is accurate and the debit is mine. I have not received any proof of documents that this debt belongs to me since I disputed this debt on my credit reports. I have asked that this debt be removed since it could be proven to be my debt and it has not been done by any of the 3 credit bureaus. Also I have notice that since I have been disputing this debt the amount has been increasing and has went from charged off to unpaid but still closed and in collections. This sounds like a complete fraud and I want this invalidated debit removed from all 3 credit reports ( XXXX, XXXX and 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 2022-08-04
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed through Zelle through my bank account XXXX XXXX XXXX. They took {$800.00} from my account, I called XXXX that same day and reported what was going. The next day a representative from Zelle called me for more information on what happened. The representative on the phone told me they would be doing an investigation and that I should hear back via mail in 7-10 business days. It is now XX/XX/2022 and I haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: OK
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:
Hello here is a list of the unauthorized inquiries

Experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy.

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

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized

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 2021-06-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to temporarily lift the freeze on my credit report at Experian.com. Trying to retrieve my PIN online did not work and the account froze or something as I keep getting a message to send them a letter. I don't have time to do that as I'm in the middle of trying to refinance my home and every day 's delay can potentially cost me. There is evidently no way to talk to a human and their bot is pretty stupid. What else can I do?

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 2021-04-08
Company: Allied Recovery Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received an email with a letter attached from XXXX XXXX of Allied Recovery Solutions, threatening to have my drivers license suspended for an alleged debt that my insurance company I use to have is not paying according to XXXX. 

XXXX - I told XXXX I needed some time to get back to her. By some time, I need more than a few weeks. I have lost several family members from XXXX, which has caused me to deal with issues well outside what anyone could understand. 

XXXX. The accident XXXX is referring to I had already went to court for and paid, in full, the fines for the tickets issued to me. 

XXXX. When I had to provide my insurance information, it would have been established at that time that I didn't have coverage. Therefore ; XXXX 's threatening letter stating I did not have coverage is false. Furthermore, I would have received a ticket for this which again, I wasn't. 

The letter of the threats are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y 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 explanation
Consumer complaint received 2017-06-08
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PNC Bank ( PNC ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( www.pnc.com ) and it's representative allowed an unknown caller to change my address and add two additional phone numbers two my accounts on XX/XX/2022. Then through PNC normal processes, XXXX Credit reporting agency was updated with this fraudulent information. I was made aware of the issue through XXXX XXXX and XXXX XXXX XXXX of this change to my credit report on XX/XX/2022. A letter was received from PNC on XX/XX/2022 letting me know my address had been changed with no mention of the two phone numbers being added to my account.

After talking to PNC, although this was not an online or internet breach, I did change my UserID and Password and corrected the address on the accounts and deleted the two phone numbers. The address change was only made on two of multiple accounts I have at PNC. Those two accounts however represent XXXX XXXXXXXX of open line of funds. PNC did create a case, XXXX, to investigate the situation. They will update me in two to three business days as to their findings. A letter was sent to PNC requesting they remove the incorrect information and update my XXXX and any other credit bureau where this information was entered. 

My concern is the lack of operational controls where, based on what we know at this point, an unknown individual can provide what is considered " enough information '' to verify my identity to make the stated changes. On my account is my wife 's and my cell phone numbers where a text could have been sent with an authorization code for the PNC representative to move forward. Sending an authorization code has happened multiple times in the past with PNC when validating my authority. Although PNC does not consistently do this verification process, this step might have circumvented this situation from occurring. 

From an operational and procedural controls perspective, there should be stronger processes in place to ensure my and other PNC customers do not have fraudulent activity taking place. As the control mentioned above would have been a step in potentially preventing this situation and more controls should be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from this company I have no idea what they want they call from different numbers and different locations I am currently unemployed. I lost my wife to XXXX I am struggling financially what ever they want I am not paying them please leave me alone and stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Coinbase, Inc.
State: WA
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 regular Coinbase account on XX/XX/XXXX2021 of this year. After discovering that transaction fees were lower on Coinbase XXXX, I also opened a Coinbase XXXX  account on XX/XX/XXXX, which was linked to my regular Coinbase account, and funded the Coinbase XXXX  account with three deposits via ACH from a linked bank account : 1. {$25000.00} ( on XX/XX/XXXX21 ), 2. {$11000.00} ( on XX/XX/XXXX ) and 3. {$5900.00} ( again on XX/XX/XXXX ). On their interface, Coinbase implies that the Coinbase account and Coinbase XXXX  are linked but separate accounts. 

I executed one purchase of ~XXXX  BTC on XX/XX/XXXX for {$25000.00} and had the remaining ~ {$16000.00} sitting in a cash reserve. On XX/XX/XXXX, Coinbase XXXX  froze my ability to execute trades on the basis that I needed to verify my identity. On that day, I made multiple attempts to take photos of and webcam shots of my driver 's license and photo capture of my face, and failed more than 3 times over the course of multiple hours before my documents were finally accepted. The experience was so incredibly poor and the {$5.00} credit offered for my troubles was sufficiently insulting that I asked Coinbase to provide information about closing my account, given my frustrations with verifying my account and re-gaining the ability to make trades and withdraw funds. 

On XX/XX/XXXX, I received an e-mail from Coinbase providing me with a link to close my account. My plan was to 1. close my regular Coinbase account ( which had a {$0.00} balance ) and then 2. close my Coinbase XXXX  account ( which had the amounts listed above ). After completing # 1, however, my Coinbase XXXX  account has now also disappeared, and when I try to re-register with my original e-mail address, am being told to set up a new account. To top it off, I am currently in XXXX XXXX as of XX/XX/XXXX21 ( my account was opened in the US on XX/XX/XXXX ) and will be here until the end of XXXX for the XXXX of my XXXX  child. When attempting to troubleshoot the issue through Coinbase 's customer support system, I received an automated message claiming that they only offer " self-help customer support '' in my region of XXXX XXXX, despite the fact that I have a permanent US address. 

As I do not have access to the ~ {$42000.00} in aggregate BTC and cash that had been sitting in my Coinbase XXXX  account, it appears to me that Coinbase has seized my funds without offering any ability for recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-16
Company: Byrider Franchising, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/ 2022 I sent a notarized & mail certified letters to the company JD Byrider ; Informing the company of there violation against me as a consumer. I was charged an excessive amount of interest in the amount if 21 %. According to PAs Usury law This shouldnt have happened. The maximum amount of interest that can be charged for a loan or money financed under 50k must not exceed 6 %. This company has charged me more than 3x this amount. According to the law I am entitled remedy and I am exercising my right to claim such remedy. 
I demand for them give me what the law says I am entitled to which is 3x times the amount I was charged. This totals to approx. 74k in U.S. money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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:
This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX my Victoria secret cards was accessed by a fraud person and they bought XXXX worth of product and had it shipped to Hawaii. I live in ga. I called Victoria secreXXXX who told me to call commity bank who owned the cc accounts. Commity bank and vs dont talk to each others and there system are not linked. I was bounced around and was finally told the fraud charge would be looked into and a complaint would be filed. XX/XX/15 I received a letter stating I closed my card which I did but I owes the money from The fraud charge. I called and waited on hold fo find out that they have a new system And can not access my account or any of my information! I was told to keep calling back every few weeks. How can a cc company not have a system thats works

Company response to consumer: Closed with monetary relief