BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX cell account # XXXX. XXXX owed {$1100.00}. The debt was transferred to Convergent Outsourcing XXXX. Which was settled for XXXX cents on the dollar. I paid Convergent Outsourcing account # XXXX {$550.00} to settle the account. They said they would report it to XXXX as account paid for XXXX cent on the dollar and it should be closed with a XXXX balance. They also sent me a letter with a receipt for the amount paid for less than the full balance and the account should be closed. It would also be reported to XXXX as such. 

XXXX is telling me i still owe the balance although it was already settled with the XXXX XXXX. That is mis-information on both of their part. The XXXX account should show settled and with a XXXX balance and account should be closed. But the account is still showing open with a balance on XXXX side.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-08-03
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company os deceitful they call from all different & continues to call me as early as XXXX I call back they dont identify the company today I spoke with a manager about the practices and to tell them wrong number and to stop calling that only made them call even more. I called back and answer and just hold the phone these are all rude foreigners and they are deceitful I am currently seeking to file a lawsuit against them for this harassment. I have been forced to pay money to have my number changed today. They think this is a game but its concerning. I thought the CFPB had laws in place to for this type of treatment. Sad thing is these foreigners lie about their names please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I first received a debit card that couldnt activate from XXXX XXXX XXXXXXXX. I never applied for this card. Yesterday I received a letter that I was declined for a credit card with Nordstrom that I also never applied for. And it has caused my score to drop tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have submitted 2 disputes through my bank in XXXX and Paypal received those disputes on XXXX XXXX i immediately called to cancel the disputes on PayPals end and called my bank to have the disputed cancelled. I was advised that my bank needs to reach out to PayPal to have the disputes closed. When i called my bank they informed me the dispute was closed and that they have contacted PayPal that the matter was resolved. PayPal refuses to cancel the dispute on their end after me calling in with my bank to confirm closure, me sending in emails to provide proof the dispute was cancelled on the banks end and also me speaking to multiple supervisors to have this matter " escalated ''. When asked when the escalations were done I was advised on XX/XX/XXXX and XXXX. The agent informed me that the " backoffice '' team did not respond to them and will not close the case until XX/XX/XXXX. I have done EVERYTHING PayPal has asked and they are sitting on the information that was received months ago until the last day. I was also advised that the " backoffice '' team did not begin investigation in this matter until a few weeks ago. This case has been open for months and they have refused to handle this matter in a speedy amount of time regardless of my request. Also they refuse to close my account since the disputes remain open. I have asked countless times to close my Paypal account per my wishes and have been informed until Paypal decides to close the dispute they will not close my account. I want my resolution to this matter resolved immediately and also my account closed immediately as is my right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED, Account # 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 2022-08-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am well under the knowledge that payment is overdue for this particular card. It is unfortunate that we had other bills that needed taken care of first or risk potential eviction from our living situation. 

The initial charge was for the max limit of {$1000.00} on XX/XX/2022. The payment was processed and then repayment calculated for {$29.00} a month due every XXXX. We missed the initial payment due to job status as well as other bills, and have yet to be late for XXXX ( it is currently XX/XX/2022 as of writing this ). The current payment sits at {$69.00} with the {$40.00} late fee that CitiBank charges for the best buy credit card. We are normally quite prompt with payment, and have been trying to figure out our finances and other bills to get this paid. The purchase was not made without great apprehension in the first place, as it was for a phone that needed replaced. We had little to no choice, as repairs on the old phone would be just as, if not more expensive and take too much time, as the phone was needed by the next day for job purposes. 

Since XX/XX/XXXX, CitiBank has called me XXXX to XXXX times a day, leaving a message only once. They call from the same number, and I recognize it in my call logs. They even call outside of normal business operating hours, including on XXXX and XXXX. 

All times are in Eastern Standard XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX ( XXXX somehow ), XXXX, XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX and 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 2022-10-22
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my XXXX XXXX through XXXX and noticed I had a debt of over {$1000.00} from Rent Recovery Solutions. I was not notified that I could dispute the collection and I never received an email or written notice that I was in debt. 

I am not sure what I am being charged for as I have paid every month of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX of 2022 I went through the process of requesting to remove PMI from my mortgage loan through the provided avenues that PHH outlined. To date, XX/XX/2022 they have yet to provide an appraisal to determine my PMI eligibility and continue to provide false promises of escalation to managers, lied about an appraiser being assigned to the account and refuse to provide any resources to speak to the PMI department. I paid a fee of {$150.00} for this service that was cashed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: MN
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:
2ND REQUEST : I am challenging Equifax because they are not in compliance with METRO 2 compliance standards. They DO NOT INVESTIGATE THEY DONT SEND OUT UPDATED REPORTS AND THEY NEVER SEND METHOD OF VERIFICATION LETTERS. THEY DO NOT READ DISPUTES! 
This is a direct violation of 15 USC 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. This is law! CLOSED ACCOUNTS CAN NOT REPORT A BALANCE!!!! I am doing this again as I have had no results and this is for paper trail for my lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Radius Global Solutions LLC
State: NY
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 HIPAA rights were violated by Radius Global Solutions LLC. As an attempt to validate and collect debt for XXXX XXXX XXXX XXXX, the company Radius Global Solutions LLC sent me copies of my medical procedures and diagnosis from XXXX. I never signed or gave permission to Radius Global Solutions LLC to obtain this information and it is a direct violation of my HIPAA & privacy rights. I request that Radius Global Solutions LLC cease and remove all reports on my credit accounts/bureau. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2022-10-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have been banking with USAA for over 10 years and the customer service I have received on XXXX has been incredibly unhelpful. I deposited my check for {$1000.00} on XX/XX/22 and a little over by half of it the bank is holding and keep hostage for a week. Ive expressed to 3 customer service representatives that I need it released due to me having bills that need to be paid, and all the could offer me was reading directly off a script. Theyve all expressed that theyre committed to building close relationships with tiger members, however that is not the case. None of them cared that I have bills to pay. Im essentially just supposed to deal with it. Im tired of having more than half of my check being held hostage by USAA. The worst part is that they dont consistently hold my checks. They pick and choose when they want to do it. I want better from then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My minor sister has a bank account with Bank of America. My father was the guardian. My father passed away in XXXX. I was appointed her guardian. I provided Bank of America with the XXXX XXXX in early XXXX. I provided them Letters of Administration, Orders from the Court, the Guardian Order appointing me as the Guardian. I have called them so many times I can not even remember how many. I have waited on hold for hours. I have went to banking centers. I waited in banking centers while a manager called headquarters and argued with them about getting it resolved, but even he was unable. No one has been able to help me. They refuse to change the account to appoint me as the guardian even though they have everything they need. 

This is outrageous. It has been 5 months. Please help. They are wrongfully withholding this money that the minor needs. They keep telling me they will call me but they dont. Then when I call them, they put me on hold and dont do anything to fix the problem.

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 2023-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX and multiple banks like XXXX 's score powered by XXXX XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid XXXX XXXX on time payments since I was a XXXX XXXX XXXX kid and paid XXXX XXXX on time for over a decade as XXXX brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over XXXX accounts, and only XXXX hard inquiry from like XXXX  years ago. and XXXX  year average which is only XXXX XXXX of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has XXXX XXXX payment history over XXXX late payments. a XXXX XXXX is lowest red. He got XXXX XXXX XXXX  XXXX  card usage vs my XXXX XXXX. a {$2000.00} credit limit vs my near {$50000.00}. only XXXX accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having XXXX XXXX  marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over XXXX late payments and over XXXX XXXX usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. XXXX XXXX XXXX hard inquiries XXXX greens, XXXX yellows has almost XXXX SCORE! I have XXXX greens, and XXXX partial red XXXX  year average only XXXX XXXX of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the XXXX XXXX XXXX XXXX formulas I should be easily over XXXX especially if a XXXX XXXX history with XXXX hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried seveveral times to resolve the problem only to be hung up on. Latest dateXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Citi Thank you preferred card is not reporting my payment credit history to the three major credit bureaus. Even though I am an authorized secondary user, they are supposed to report payment history and credit activity to the three major bureaus. 

Despite my request, they are not reporting. This lowers my credit to debt ratio disproportionately and unfairly, lowering my credit utilization score. 

I am not able to obtain mortgage loans due to their undue negligence.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive contacted the XXXX XXXX 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. 

XXXX  still shows over XXXX false/not authorized credit inquiries on my credit file.

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