BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.

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 2016-07-13
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've reached out to this company about debt that they saying I alleged owe. They are reporting false information to the credit bureaus. This account is reporting duplicate on my credit report and that's illegal by law and caused severe XXXX upon me and my health. They saying it was sold or transferred but it still show up along with the company they sold this debt to which is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: CO
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:
Company : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX is maliciously and fraudulently reporting a XXXX day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX  XXXX, and Equifax reports all show a XXXX  day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this XXXX day entry. Letter correspondence was sent in XX/XX/XXXX, again XXXX  days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know XXXX is inaccurate ( XXXX ) XXXX. Failure to conduct a reasonable investigation of a dispute ( XXXX ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the XXXX  days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous calls from the lawfirm weltman weinberg & reis and have explained time after time multiple facts to them. First, I want a debt validation letter from whoever they are representing per FCRA guidelines. I have received no validation of any kind. Second, after I receieve this letter I inform whatever representative for this law firm that I want a cease and desist on all collection efforts including phone calls and letters. I continue to receive multiple phone calls after requesting a cease and desist multiple times. This is a clear violation of any Cease and Desist guidelines and TCPA regulations. The next step in this process will be having my attorney review any and all collection efforts and moving forward with litigation. As I have stated I have been quite clear in the countless times this law firm has contacted me. It has never been a different representative each time they call and I explain the same information to each one. I want a debt validation letter, after I receieve the letter I want a cease and desist regarding all communication efforts but have seen a total lack of understanding and awareness to FCRA, TCPA and Cease and Desist laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
DIVERSIFIED CONSULTANTS INC has place a trade-line on my credit report. XXXX was the original creditor, and there was a dispute already placed with XXXX. XXXX reported to me that they closed this account with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CFPB XXXX Complaint concluded : We reviewed your complaint and weren't able to forward it to the company for a responsebecause the company is not on our complaint system. 

Please advise why TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX are excluded in your complaint system? 

In response to your communication : The CFPB can't give legal advice or represent individuals in legal matters legal advice or representation was never requested as alleged. 

Furthermore, please advise that TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX have been added to CFPB complaint system and that they have been notified of the CFPB XXXX Complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason. 
They said suspicious activity but i do not made nothing wrong. 
i check all my activity and is not fraud or chargeback in my account. 
i think was a mistake. 
i try to use my account for buy online or send payment to my friend but has been impossible. 
i am waiting for PayPal more than 180 days for get access to my account and is being unsuccessful. 

My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: AZ
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/2021, I filed for a validation of debt with the credit bureau 's Equifax, and XXXX. As well as the XXXX XXXX XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( XXXX, Equifax XXXX Thank You, XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Personal information incorrect

Complaint:
TransUnion reports and inaccurate name and address ; name- XXXX XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX, FL 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 2015-12-29
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed an entry from Diversified Con. on my credit reports trying to collect a debt that I do not recognize. I 've had no contact with this company or the XXXX they claim to represent. This has caused stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. They told me they sent a check to my address on XXXX XXXX. Over the course of the past 2 months I have spoken with the bank in 29 phone calls. When I spoke to the bank today, the representative told me the bank sent the check to the wrong address. He went on to tell me the bank could not stop payment on the check. He said I would have to wait another 90 days. At that point the bank will issue another check, and mail it to me. 

The bank has approximately {$20000.00} of my money. I need that money. They have held it from me for 2 months. Now they are planning to hold it for another 3 months. Surely, the bank has the ability to cancel the check they sent to the wrong address. They have the ability to mail, wire, or ACH the money to me. They are hiding behind policy and choosing not to return my money to me in a timely manner. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/21 I received a text message from Bank of America that a transaction from XXXX was declined for XXXX . When I checked mybank of America account online I saw that there are other transactions that were completed, but I did not complete them. I figured someone stole my credit card information. The thief bought things from XXXX and XXXX for approximately XXXX . I deactivated my credit card and had a new one from bank of America mailed to me. I filed a claim with Bank of America that is currently under investigation. Can you helpd me solve this fraud situation, please? 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 monetary relief
Consumer complaint received 2021-05-14
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT RECOVERY SOLUTIONS LLC at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, has been sending me collection notices in the amount of {$330.00} {$420.00} and {$1300.00}. The collection has been reported as past due balance. I do not know this company I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: ECMC GROUP, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a  XXXX   XXXX   XXXX  veteran. On my report for  XXXX  there are  XXXX  ECMC accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?

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 2015-11-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. 
I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. 
XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed two accounts that are not mine and invalid from XXXX for {$3100.00} & another one from XXXX for {$2000.00}

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 2021-05-14
Company: Experian Information Solutions Inc.
State: NY
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:
( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is 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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
( Confidential info attached, please redact ) I have discussed with XXXX multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call XXXX multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that XXXX agreed to remove, but the internal process of XXXX is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is 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 2015-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account reported on my Transunion credit file own XX/XX/XXXX. I responded to the dispute XX/XX/XXXX. Transunion later, way past the 30 days responded with a letter saying the account had been verified. I then responded with a followup letter XX/XX/XXXX asking for proof of this verification which was ignored. Send a third letter asking again for verification of this co called investigation and still have yet to receive any.

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