BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on. for 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 SPRING OAKS CAPITAL LLC Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX XXXX  ) 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Please note that I was scammed by Fraudulent Company under the name of XXXX Coinbase proceeded with the payments to this Fraudulent Company and in return I lost XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved before for a possible loan but now I am getting denied because it says I am XXXX XXXXXXXX XXXX which I am not

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone as been using my name and information to open various account and also rented an apartment with my name. i need this removed from my file please. 
HARVARD COLLECTION {$490.00} XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX 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 an 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX This is a pay per delete account XXXX XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
HARD INQUIRIES CREDIT XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX  - DATE XX/XX/XXXX XXXX  - DATE XX/XX/XXXX XXXX XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - ALL INQUIRIES

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 2022-11-28
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 right to privacy.

- 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am hired as Jr. Payment Assistant by the company XXXX XXXX XXXX XXXX XXXX in Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document Number : XXXX, FEI/EIN Number ). 
My direct Manager 's name is XXXX. 

My daily task is or are : once the company deposed money or transferred money to my Wellsfargo account, I do have right to the gas and 4 % as commission for all transactions. I have to depose the money to a different location of the Bitcoin machine. Once the client 's money is deposed, I have to take a screenshot or receipt and send it to my manager. 

On XX/XX/2022, in the morning around XXXX am, I received an email from Wellsfargo informing me that my account is closed due to XXXX or more unauthorized transactions from my employer. 

On XX/XX/2022, I didn't have anymore a dollars for my company in my bank because I sent out all money for the company 's clients. However, I still have my own money ( {$2300.00} ) which Wellsfargo blocks. 

The money is my account is my money to pay my rent, utility bills and expenses for my children including my XXXX daughter. I went to the bank branch at XXXX close to the mall of Georgia, and the bank refused to open my account. 

My rent is due today including my car loan and other bills. Due to the Wellsfargo action, I will not be capable of providing financial assistance to my family, buying food, pay my bills, also, my landlord will not renew my lease which ends next month due to the unpaid rent. I have emailed all documents I do have to the bank to prove that the company i real and also I am working for the company, but wellsfargo still bocking my bank account causing me and my family emotional distress and risk to file bankruptcy. 

By filing this complaint, I really want your assistance regarding this issue. 

Please, help! 

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 2022-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband is XXXX XXXX military. He is eligible for the XXXX civil service members relief act with his orders. It was time to renew the order and the benefit was not applied to my credit card which he is an authorized user on. I contacted USAA in XXXX to find out why all of the account other than this credit card received the renewal. I was told he has been removed as an authorized user on my account. I never gave permission for this or authorized this. Usaa claims it was done in error when I had a fraudulent charge show up on my account and when the new card was mailed out, he was inadvertently removed. They initially said this was their mistake and he was put back on the account and they were suppose to correct the benefit so it was applied to this account as well. 

Its been a month with no resolve. I have contacted back several times. No one returns my call. Today I spoke to them and was told they called back but my voicemail was full ( not correct ). I checked my phone records and have no call from them. They refuse to tell me the date and time said call was made. 

Now I am being told it wasnt an error he was removed from the account- its something on my end I did. They are very vague about what I may have done that caused his removal. I was told possibly something was selected online when my card was hacked. They can not provide any specifics about why he was removed without my permission or what can be done to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: AMERICAN EXPRESS COMPANY
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:
There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: LEXISNEXIS
State: PA
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:
On XX/XX/2022, I submitted a complaint to XXXX directly and a third party company who unlawfully purchased this alleged outstanding debt from XXXX for the amount of {$100.00} account number XXXX. This account was removed in XXXX from all of my consumer reports. I recently noticed a change in my consumer report. 
The XXXX account number XXXX which was added furnished back to my consumer report is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXXcompliant reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, ask CitiBank for a Transfer Balance of my credit card ending in XXXX, to my checking account at XXXX XXXX  XXXX in the amount of {$3400.00}. 

According to the CitiBank app, this transfer was made on XX/XX/XXXX, but it was not so since this money NEVER reached my XXXX XXXX XXXX account. I immediately contacted CitiBank customer service and they told me that if the transfer had been sent, I should contact XXXX  XXXX XXXX, when calling the latter they told me that no CitiBank transfer in the amount of {$3400.00} appeared in their system. 

I have called CitiBank approximately 50 times requesting information and every time I call all the operators who answer me they tell me different information, they ask me for different data and again we fall into it. 

On XX/XX/XXXX I contacted CitiBank again and requested that a dispute be initiated over this amount {$3400.00}, and on XX/XX/XXXX, I took a letter by mail informing me about the start of the dispute. 

On XX/XX/XXXX, I receive an email saying that the transfer had been successful and they sent me a XXXX ID and a Trace ID, when checking the CitiBank app I notice that the charge of {$3400.00}, is on my credit card, upon receiving this email I call Citibank again and the operator that serves me tells me that the dispute of XX/XX/XXXX I feel mocked by CitiBank, since they do not give me an answer about that transfer money that I NEVER received in my XXXX XXXX XXXX account. I don't understand why every time I call they tell me different information, I feel like they make fun of me. 

I can't pay a money I never received and they have to give me an answer about it, I ask for their help to see how I can get CitibanK to answer me and remove that charge from my credit card. It is worth noting that I make a minimum payment of {$35.00} so that the account will not fall into arrears and my credit is not affected. 

I am sending you an image of the emails and the dispute charge that was supposed to start. 

Sincerely. 

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 monetary relief
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: PA
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:
In 2020 due to the pandemic/covid my account was in deferred payments. As you can see in the attached picture. In XXXX and XXXX my account was marked as " No data '' because is was in deferred. However, due to a bank error. My payment history is showing late payments for XXXX and XXXX. 

WELLSFARGODEALERSVCS Late Payments : XXXX 2020, XX/XX/ 2020 2020

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 2023-08-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-11-25
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Acceptance continues to disregard my complaints by saying that I'm making duplicate complaints when in reality each complaint has been singular and due to continuous verbal abuse expressed by credit acceptance and unfair treatment. Credit Acceptance is threatening repossession and damage of my credit report as well as my husband 's credit report which credit acceptance has yet to fix. I am still being affected by Covid 19 and credit acceptance explained that consumers will be protected as long as we communicate that we are affected. Credit Acceptance is being unfair and abusive towards me and my husband 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 2022-06-22
Company: Rent Recovery Solutions
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Claim # XXXX We filed the below complaint back in XXXX. This was the company 's response : " We have forwarded this complaint to our client for reinvestigation. Unless and until our client responds to the query, we will order the item deleted from the credit bureaus. '' So far we have heard nothing! This is still on all XXXX credit bureaus and its preventing us from attaining a mortgage. We need this off our report, please. 

Here is my original complaint : We lived at the Mansions at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if we were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly XXXX  days to resign the lease for XXXX more months even though we weren't sure if we were going to stay or go. We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. 

The manager, as well as the assistant manager, said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021, ( 14 days before the lease was up ). The apartment was cleaned and looked brand new. We have pictures. A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXX 's rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX 's rent even though new tenants had already signed a new lease and had already moved into the unit. The manager expressed that even though we didn't start the new lease, we still owed for XXXX. 

This was news to me. I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it, giving the new tenants a fresh new place to dwell. We do not owe for XXXX 's rent. Please help us with us. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: TN
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 have sent letters to the respective agencies regarding these items that aren't mine. I haven't receive any response from them since XX/XX/2022. I felt that I am being ignored and been taken advantage.

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 2018-09-17
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a PayPal account and they received money into my account, which I have had for several years and placed a hold on the funds. Refusing to give me anything. Other than what I can withdrawal with my ATM card. I requested it be wired to my account and they declined. 
They send a withdrawal to my savings account ( unauthorized ) for over 6k. But continued to refuse to release the hold on my account. 
Violation of RegCC RegZ banking laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AL
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 and # 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 instruction.

Company response to consumer: Closed with explanation