BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : the item reported by XXXX to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of XXXX, XX/XX/XXXX, when I requested my credit reports from the XXXX CRAs. XXXX has never attempted to contact me. 
XXXX, ( XXXX XXXX XXXX  ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX. 

XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, Speedy Cash {$300.00}, violates the statute of limitations for reporting derogatory accounts : XXXX is reporting a XXXX year old negative item, for 17 years at XXXX, by classifying it as Closed. 
The same item is being reported differently at all CRAs, by XXXX. However, it appears that XXXX is a reporting, not collection agency, for they have not, to this date, billed me in any manner. 

XXXX maliciously placed this item, Speedy Cash, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable Speedy Cash, for 17 years. 
Further, XXXX violated FDCPA 608., when I telephoned them @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX XXXX XXXX hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect. 

In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from XXXX for misreporting to the CRA ( XXXX violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}. 

Sincerely yours, XXXX XXXX XXXX. 
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how if The date open is not accurate. The date last report it is not accurate. This ground for removal. They also violating my rights under. 

15 US C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1641 Section 608 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureau took more than 30 days to complete my investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to LVNV Funding / Resurgent Capital Services. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXX Bank that they would be divulging my information to LVNV Funding or Resurgent Capital Services. Furthermore, the involvement of XXXX XXXX XXXX in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit inquires was removed and then inserted back onto my transunion credit report and I was n't notified.

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 2023-12-05
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I over payed my credit card it by a significant amount. The balance to be returned is {$1200.00}. Subsequently, I closed the account due to many other concerns with Comenity Bank. Comenity claims they sent the check on XX/XX/23. I do not have the check. On discussion Comenity suggested I research my deposits which show no check for that amount. I requested a copy of the cleared check on three occasions which I have never received. I would like to see the cleared check so that I can verify reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We are an investment company. We sold XXXX of our XXXX businesses with a closing date of XX/XX/. XXXX wire transfers were transferred from the buyer 's escrow agent. The wire to our company was put on hold by BoA. The other XXXX wires went through without issue ( XXXX of which went to other BoA accounts ). 

Thursday morning XXXX  I tried to wire money from our account to our investors. I could not. When I called BoA, they told me to go to a branch. The business XXXX at the bank tried to wire money from our account and could not. She called the BoA wire department and found out the wire for the sales proceeds was put on hold. Later that day ( XX/XX/ ) I tried to send a small wire from funds that were in our account before the transaction wire. BoA denied access to our account completely. 

As of XXXX we do not have our funds and we do not have access to our account. I called various departments at BoA and received no information and no date when our funds would be available. 

The wire was for a significant amount and our investors are losing a significant amount of interest.

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 2023-03-07
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

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 I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization. 

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately. 

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report. 

I am providing copies of my credit reports from the three major credit bureaus ( Equifax, XXXX, and XXXX ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain. 

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Information belongs to someone else

Complaint:
I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.

Transactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.

Consumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. 

BEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION

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 2023-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( SPS ) has not acknowledged the extra escrow payments ( {$4300.00} ) that I have made on my mortgage account since XX/XX/2023 in order to maintain my monthly payments to $ XXXX even though I have requested five times for re-assessments five times in the last XXXX months. My discussion with one representative in XX/XX/2023 was that if I made {$5000.00} over the monthly minimum to escrow then when the account was re-assessed in XX/XX/2023 that it would stay the same. To wit, because of the use of outside contractors who work from home there is little or no quality control over communications. Hence, when I spoke to the XXXX XXXX. last XXXX they only lowered the payment by $ XXXX to 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 2023-03-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-19
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
DISCOVER BANK XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: PA
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:
Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : 09 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
WellsFargo put " Credit Review Hold '' on my XXXX request to transfer a credit balance of {$3100.00} from our WellsFargo Visa card to one of our WellsFargo checking accounts. They've told me the Credit Review Hold was placed because my transfer request was over {$2500.00}. They also told me that the transfer may take 30-days to be made. The credit balance was due to two XXXX airline ticket refunds by XXXX XXXX amounting to {$3200.00}. This refund amount was reduced by a {$110.00} restaurant charge on XXXX before my XXXX transfer Request. This is a WellsFargo account to WellsFargo account request that historically has been made in 1-2 business days following our transfer requests, albeit for amounts under {$2500.00}. I appealed the projected length of time to complete transfer to WellsFargo Bank Supervisor at time of transfer request with only response being issued a Complaint # that someone at WellsFargo may call me about with-in 10-business days. We're long time customers of WellsFargo with Excellent credit rating and large balances in our checking accounts. I'm of the opinion that WellsFargo is purposely delaying transfer to take advantage of our money.

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 2023-12-09
Company: U.S. BANCORP
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the victim of Credit/ID theft for the better part of the last 3 years. There are security freezes and fraud alerts at all credit agencies for going on a year now. XXXX XXXX XXXX after opening the account sent letters in reference to an alias name and TIN identification combination not being correct and enclosed a substitute W-9 form to fill out for Check systems. The letter also included an ultimatum that if I did not supply the information within 30 days my accounts and all accounts using the alias would be assessed 24 % back up withholding taxes. I live on a survivor pension. It is my only source of income. Plus, XXXX XXXX. XXXX sent letters similar to US Bank about my name and number. The IRS and the SSD have had my legal valid name since XXXX. I could not understand where the alias came from. US Bank issued several products with the alias. The debit card was manipulated to deduct XXXX $ hidden fees causing an overdraft. Credit card payments being paid from the posting balance and not payment date into a hold causing overdrafts. Wrong name on checks costing XXXX $ no refund. Checks never used. Ordered new debit which arrived with the alias. I filed a complaint with the BBB asking them to advise this bank at XXXX XXXX XXXX to cease communications and close the account after I attempted several times to cure a XXXX negative balance caused by US Bank just to end the situation and move on. I sent a check on XX/XX/XXXX it remained uncashed and not credited to my account for XXXX weeks. A constant stream of bank negatives created by US Bank to severely abuse me as a direct deposit pension account. I continued to receive letters via USPS stating no communication is not going to stop the debt from being pursued and I will continue to receive statements with updated bad debt. information to be reported to prevent eligibility for banks products in the future at other banks. XXXX XXXX did the same thing. Created a fake debt. Refused to close the account which remained open and inactive for 2 years collecting fees and being reported constantly to credit bureaus with inaccurate information. XXXX created a duplicate account doubling all inaccurate fee charges and account transactions. Several attempts at phone interviews with bankers ' unsuccessful resolution or ignored completely. I have been battling banks with my sole source of income being used against me as a weapon and being domestically terrorized to the point of collapse. I want this US bank to leave me alone. I am ready with evidence to pursue in superior. 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 non-monetary relief