BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. On XX/XX/20202020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXXXXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received written communication from DISCOVER. They did NOT meet the requirements of FCRA 623/FACTA 312. Instead, they sent me statements dated XX/XX/2020 ( from my dispute with XXXX about verification of account per FCRA ) and XX/XX/2020. These statements were preceded by letters dated XX/XX/2020 and XX/XX/2020 ( I am attaching them to this complaint ). I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing DISCOVER communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires DISCOVER to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. DISCOVER provided none of the above. DISCOVER continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. DISCOVER has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from DISCOVER that they will not change the UNVERIFIED, INACCURATE, and IMCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # XXXXXXXX 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 XXXXXXXX

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 2016-07-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.

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 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX  XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 11 calls in the past 3 weeks from XXXX number. They ask for someone I do n't know ( XXXX XXXX? ) ; I assume she had this number before I did. I have told them they have the wrong number, I do n't know her, and please stop calling me. I have told them this at least three times, and they have agreed to stop calling. ( The other times I have not answered my phone. ) But then they call again. And again. Today when they called, I spoke with a man who told me he had no record of my asking to be removed or that it was a wrong number, so apparently they have just ignored my requests. I told him I was going to report his company because I 'm tired of the frequent calls. He gave me the name of the company, Transworld, but refused to give me any other information. He said since I was n't the lady he was calling, he could n't tell me anything else, not an address, not whether or not they were a debt collection agency. I found out by searching online that they are a debt collection agency. I do n't owe any debts to anyone. I do n't know the lady they 're calling. It seems like they would stop calling me if I 'm not who they 're looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Credit determination

Complaint:
I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal?

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 2016-10-23
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.

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 2022-04-13
Company: Velocity Portfolio Group
State: VA
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:
CKS PrimeXXXX XXXX XXXX XXXX continues to list the following account as a " XXXX '' on my credit reporting causing continuous injury. 

This account was opened fraudulently, and the original creditor, XXXX has accepted this identity theft claim and are requesting that the credit bureaus remove this account. See attached letter from the original creditor. 

The " XXXX  '' is trying to collect on a debt that the original creditor has deemed as opened fraudulently. Wouldn't the original creditor have the best information? 

This is not legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello I believe I was scammed when trying to buy an apartment. I went onto website XXXX since its a military safe place to look for housing. Then I found this apartment on it. Then I signed a renter and lease agreement and then I was asked to send {$3100.00} to the landowner of the apartment to be able to move into this apartment on XX/XX/XXXX and move in XX/XX/XXXX. The only person I spoke to about these things was the real estate manager. Now the real estate manager is avoiding me and not giving my money back when I said I no longer want the apartment. My bank I use is navy federal and the bank I sent it too was XXXX XXXX XXXX  account owner is XXXX XXXX XXXX. The real estate manager is XXXX XXXX. My bank has not tried to help me with this situation, I believe this was a scam. Please may you help me, thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/20 I opened a checking and savings account online with Bank of America where I deposited {$100.00} into each account for a total of {$200.00}. I received an email stating that my accounts were approved and the money was debited from my account. I went to their website and tried logging in and it said I had to call a phone number to speak to a representative. I call them immediately ( XX/XX/20 ) and the gentleman said that the accounts were closed because upon further review they could not verify my identity and that I would be sent a cashier 's check via regular mail within 7 to 10 business days. I was extremely upset because I dont understand why if the money was taken from my account in seconds that it couldn't be credited back in the same timely manner? I receive my direct deposit from my employer on a BANK OF AMERICA issued card so how is it that they can not verify my identity?! Ok, so here it is XX/XX/20 and still no cashier 's check. I call one of the 1 800 numbers listed online and there's a 57 minute wait for the call to be answered. So I go back online to try live chat, they can not access specific account information online and give me another 1 800 number to call where I am once again put on hold. I spoke to 3 different people and was told my check was sent to an address that does not even exist in the town I live in and that I would have to wait 91 days until the check expires to be reissued another check that will take another 7-10 business to receive. A check that I wont be able to cash because I do not have a bank account! Why and how is it that banks get away with this?! I am a single mother who works hard EVERY DAY to earn every bit of what's leftover after taxes are taken out to help people that DON'T work, so please explain to me why and how this is acceptable?! All they are doing is making interest off of MY money! Money that I can not pay my Bill 's with now because they won't credit it back into my account they took it out of! Why do we have all of this technology then? The last lady I spoke with, XXXX, said they could not stop payment on the check and reissue another one ... WHY NOT?! Please give me some answers as to why financial institutions are getting away with these types of issues on a daily basis? Its robbery.

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 2022-02-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.

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 2021-09-25
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/25, I wrote to Experian ( as well as the other credit bureaus ) to inform them there was a lot of suspicious accounts that didn't belong on my credit report. I'd recently experienced an identity theft issue and included a copy of the police report as proof of same. While the other credit bureaus investigated and removed the questionable accounts, Experian claimed to have investigated the information but clearly did not, as they are the only credit bureau that did not remove the accounts AND they even added a duplicate account. I wrote to them again on XX/XX/XXXX to again ask for their help and they eventually responded with the same actions and offered zero assistance with the situation, dismissing my problems as frivolous.

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 2020-03-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
During the week of XX/XX/2020, I took my son to spring break and staying at several XXXX XXXX   chains. 

I cancelled several reservations due to the COVID-19 and XXXX 's decision to limit and discontinue regular services like room service and so on. 

On XX/XX/2020, after reviewing my credit card activity online. I saw that XXXX charged my visa card ending in XXXX for XXXX. I immediately called XXXX to get this charged removed. 

I was transferred at lest 4 times before hanging up. I then called my bank Navy FCU. I explained the situation and the man in the credit card department initiated an investigation. 

Because I had not heard from my bank about a resolution, I called the bank today and I received horrible service. I was transferred at least 4 times before I got fed up and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: U.S. BANCORP
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US Bank is not providing paper or e-statements for one of our loan accounts. When contacted on XX/XX/2022 the bank informed us it was because the loan was setup on autopay but the other loan we had with them was also on autopay and the statements were accessible. We were not provided a resolution and an " escalation '' was submitted with a promise of response within a few business days. Based on prior experience and escalations I do not believe we will receive a response or resolution to this error. This bank is in clear violation of regulations requiring periodic statements with no sense of urgency to correct the problem. This bank has a reputation of not following through or providing a resolution when issues are reported to them so I am forced to submit the complaint here in hopes that they will be held accountable.

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