BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: IL
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:
I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. They did not provide me with the information that i asked in the timely matter. In accordance with the Fair Credit Reporting Act 15 U.S.C 1581 and Fair Debt Collection Practices Act 15 U.S.C. 1592 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1581 section 602 A. States I have the right to privacy 15 U.S.C 1581 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 1692 section 605 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer 15 USC 1592 section 605 A section 3 States at the consumer place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1592 section 606 section 5. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

XXXX XXXX XXXX has been harassing me and stressing me out for years. I have XXXX now because of this collection that has been illegally reporting on my credit report due to this debt collector. I have proof of them telling me they are a debt collector and they have violated so many of my rights going on for years now. this is not my first time disputing this illegal account that is on my credit report. I have sent countless papers and did everything they told me to do to show them this account is not mine and the only thing that happens is they update it i want the account deleted. I have proof i sent certified mail to them and they were supposed to send me everything back in 5 days which they failed to do so. I also have proof of every letter they sent me along with them telling you they didn't try to contact me and they are not a debt collector.

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 2020-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I XXXX messaged a debt counselor who had multiple mutual friends of mine that were all military. On Ms. XXXX profile she had that she was a debt management counselor at XXXX XXXX, debt counselor at XXXX XXXX XXXX, debt counselor at XXXX XXXX XXXX. She also had multiple photos of accounts she helped. I believed I could trust her due to her being affiliated with the military and my friends. So I proceeded to ask her to help with consolidating my small debt. I will be including the messages that went through between us. Everything seemed alright she was helping me. She requested that through her she could get me a small loan of {$4000.00} but would need me to put {$1000.00} down as a deposit to be able to get. Seeing her previous work and knowing she was helping service members out I believed her and did on XX/XX/XXXX she said it would take 5-6 days to get the loan into my account then when the day came to give me the services she ignored my messages and then went to block me on XXXX, her phone and XXXX so that I couldnt contact her. As soon as I figured she was scamming me I reported it to my bank. I had to file 3 disputes as the transaction had to be split into 3. We agreed on sending it over XXXX XXXX and due to the high amount only two transactions one of {$250.00} and another of {$100.00} went through thinking she was helping me I then sent the rest {$650.00} through XXXX. She told me after I sent the money she would be working on finishing the loan. My bank USAA gave me a temporary credit for the XXXX XXXX   transactions and then filed with XXXX for the {$650.00}. XXXX got back to me today XX/XX/XXXX and told me that they werent responsible and that I should talk to the recipient who I cant even contact and is a scammer. My bank also backed up XXXX by saying that in the end it was XXXX final decision and theres nothing they can do. I want my money back but the bank nor XXXX will get her to give it back to me. I dont want any other services members being scammed by this woman and would like for her to be found and stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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 am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
Citi card gave each year reward on XXXX. 2021, did not receive any reward. I caaled and I send them latter and I answer them about why i keep their money. 
Citi card owe me more then {$1000.00}. when I ask where is my reward, they ignoring me. for 3 months. but they keep asking me your payment is du. 
I XXXX XXXX USED THE CARD. BY MY NAME IS ON THE VISA CARD. 
XXXX XXXX ask for his reward.

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 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent various letter to walmart disputing an account found on my credit report. I have sent out various letters per pursuant to Fair Debt Credit collections reporting practices act. I have asked them to validate the debt and provide documentation. i have received no valid paperwork. In addition, the dispute status on my credit report was not added and when it was added it was not added in a timely manner per Fair debt collections practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ERC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Currently, I have a collection request from Enhanced Recovery Collections, for {$100.00} for XXXX XXXX, opened on XX/XX/XXXX. I am currently still a customer with XXXX XXXX. About XXXX years ago I moved addresses, during this transition I created a new XXXX account to service the new address. I was unaware that I owed any outstanding money to XXXX and even checked my old account, which still shows no amount is due on either accounts, and was never contacted by them about the {$100.00} owed. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my previous address. The Enhanced Recovery Collections attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with them their company policy is to not accept any pay in full for deletion letters, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been disputing this inaccurate account months and filed several CFPB complaint, but Transunion never want remove it from my credit report. This account have been reporting XXXX days late XXXX times in a row for XX/XX/XXXX, XXXX. This account also been reporting XXXX days late XXXX times in a row for XX/XX/XXXX and XX/XX/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
Consumer complaint received 2022-06-17
Company: First Service Residential, Nevada, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) Management company and registered agent for the HOA : Firstservice Residential Nevada XXXX at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX XXXX XXXX tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc.

We dispute the debt because neither we or our property management ( XXXX ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX XXXX contact as well. 

Thank you very for reading this and please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that must be removed immediately.

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 2018-05-31
Company: EQUIFAX, INC.
State: MA
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:
Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I went on FTC.gov to get my free credit report and from there, I went to Experian.com. This all took place recently, on XX/XX/2020. I am with 3 credit companies yet only one is showing. Only my XXXX account is showing when I am also with the XXXX XXXX XXXX XXXX and XXXX XXXX. Please let me know what information I can provide to help identify my account so we can get this problem resolved. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet. 

I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my commercial lender pull my credit for the commercial building I'm buying for my medical practice. I was shocked to find out Wells Fargo reported me 30 days late and past due for XX/XX/2019. After further investigation and contacting Wells Fargo, I found out that my automatic bill pay with my bank was somehow canceled. When this payment did not arrive at Wells Fargo, I was not properly notified. My communication preferences with Wells Fargo are set for email only. I was very clear with Wells Fargo about this because I am a very busy XXXX, I run a XXXX XXXX and own several XXXX XXXX. Because I am rarely home, my communication preferences were set to email only, yet I did not receive an email from Wells Fargo nor did I receive a notification in the mail. If I had been properly notified by email that the payment did not post I would have been able to make a manual payment prior to becoming 30 days delinquent. Because I was not properly notified, Wells Fargo reported me 30 days late to the credit bureaus and causing a significant drop in my credit scores. My scores dropped to a point where I no longer qualify for the financing on my commercial building.

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 2022-02-21
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
XXXX XXXX at XXXX XXXX I called in to the credit card department to get information about the terms of the account. Specifically, I wanted to get the terms and conditions of the account in regards to the interest rate and interest free period. The representative I spoke with told me that as long as I do n't make any additional purchases the current balance would not be subject to any interest for the duration the account is open. I asked the question 4-5 times and in several different ways and the representative continued to give me the same answer. The agent never sounded unsure, reiterated the same answer, and never asked for help from a supervisor if he did n't know the answer to my question. Because of this information I made financial decisions that I would not have made which are now creating damaging repercussions. XXXX XXXX I found out that my account was being subjected to interest when I was making the minimum payment. I called BBVA Compass and told them my situation. They told me that they would have to file an escalation report and go through the proper channels. They told me they would call me in a few days. XXXX XXXX I never heard back from Compass in regards to the escalation report. XXXX, the XXXX branch representative told me that I should 've been contacted by now. She decided to look into the matter further. When she called me back she told me she could n't do much because she is not a part of the credit card department. She told me the escalation report is in progress and that I have to keep in mind that that I signed an agreement and whatever I was told on the phone does n't matter. XXXX XXXX I did n't receive a call from Compass so I called them to inquire about the escalation report. They were giving me the run around and making re-explain the events. When I pressed them about my dissatisfaction they finally got the escalation report started although they had been telling me that they had already filed it. They said they would review the taped conversation and get back to me regarding my complaint. XXXX XXXX They finally finished their escalation report and called me back. I was told that I signed an agreement and that the conversation I had with the agent on XXXX XXXX does n't matter. I was told that I misunderstood the representative that day and the tapes reflect that. This is not true according to my notes and my recollection of the conversation. I asked if I could get a copy of the taped conversation and they said not without a lawyer or legal scenario. I have already accrued {$220.00} in interest which I could have avoided if given the proper information from the beginning. As a reasonable person, the conversation I had with the agent on XXXX XXXX amended the written agreement and I should not be subject to any interest on the account.

Company response to consumer: Closed with non-monetary relief