BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have contacted a person online through XXXX  where his initial phone number was XXXX XXXX XXXX where he said he would sell XXXX XXXX XXXX XXXX for 9 people for XXXX XXXX He asked to me chat on this number XXXX XXXX XXXX as the previous one was his work phone number. i Asked for 9 tickets XXXX adults and XXXX kids. He asked me to send in two different amounts XXXX $ each. He said his name as XXXX XXXX and Zelle transfer account was XXXX XXXX and he works in XXXX XXXX and he has some many complimentary tickets that he can sell. I transferred XXXX $ from my XXXX XXXXXXXX XXXX account and another XXXX $ from my XXXX XXXX account. After i transferred my money, the customer did reject my call and did not respond for my calls. I used my wife 's number and asked for tickets and he still responded and started to fraud my wife as well.. I lost my XXXX $ dollars and reported claims in both XXXX XXXX and XXXX  XXXX XXXX and none of them were able to help me. I just need some help from you to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to get calls from the following numbers : XXXX ; XXXX ; XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. 

They also continually text me. I called the XXXX number weeks ago and noted that I am not " XXXX XXXX '' but I continue to get the calls and texts ( multiple calls per day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have put in a billing error dispute with Bridgecrest. After repeatedly trying to resolve the issue, despite my communication with them to cease and desist, for lack of acknowledgment of the dispute, They continue to break the Fair Debt Collection Practices Laws amongst other federal laws by continuously calling me, texting me and emailing me daily in an attempt to collect a 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE with the XXXX submission process as well as the FCRA

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 2023-10-03
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States XXXX XXXX XXXX XXXX XXXX alleged released my non public information to LexisNexis and the reporting agencies. I was not aware the United States court released such records without consent. I have not given any consent to either party to release these alleged bankruptcy records and request these records be given to me so they may be inspected for verification.

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency
of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX, Experian, And XXXX  are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Account status closed. Experian last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Payment status seriously past due date/ account closed.

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 2023-11-13
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account in question : XXXX Company in question : NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX The Company National Credit Adjusters are attempting to collect a debt that I do not owe. They also failed to send me any notice of the debt and my right to dispute before sending the account in question to my consumer Reports. This account is damaging my financial reputation and I wish to have it deleted. 

My current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXXXXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect 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 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am writing to inform you of an absurd bank policy that I had the unfortunate situation of being caught in the middle of. On XX/XX/2019, I was wired {$28000.00} USD from a family member assisting my family and I with medical expenses. Unfortunately, when sending the wire, my uncle left off the last digit of my account number -- all other information was correct such as spelling of my full name. My bank, Capital One Bank, deposited the money in the incorrect account ( identical to my account minus the last digit ). They have explained that they are under no obligation to check information on the wire and that they are not able to assist me in freezing/retrieving the money from this incorrect account.

Capital One has closed its " investigation '' into the matter and is no longer willing to speak with me on the subject. They have indicated that they have not received a recall attempt from the sending bank, which I have multiple confirmation documents that recall attempts were sent via XXXX messaging ( basically the same way the original wire was sent -- successfully ). I have attempted to escalate this matter multiple times throughout XXXX, XXXX, and XXXX with no success. I've asked for help from Capital One Bank in explaining the proper procedure the sending bank should follow to ensure that the recall message is received, but they explained they did not know. 

I am speechless that a bank would allow this to happen and have no recourse to rectify this mistake. I look forward to hearing your thoughts on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
In XX/XX/2018 I reported my card missing and the attached charges were made fraudulently. Usaa platinum susequently reversed the charges and all interest charged. A few months later they put the charges back along with interest.They explained whoever had card did it with PIN number. This was not me or anybody I know. I have asked them numerous time to reconsider and this matter has fallen on deft ears,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: MoneyLion Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I opened a loan that was supposed to help repair my credit. It was a {$1000.00} loan but they gave me {$250.00} up front and then i was to pay XXXX every two weeks to a credit reserve. Once i paid the {$1000.00} i should be able to withdraw the funds. I paid back {$310.00} over the first 12 weeks and then asked to close the loan since i repaid the {$250.00} they gave me plus interest. On multiple times they refused to close the loan. They are charging me interest on money i do not have and they did not give me. The only interest i should be paying is the interest on the actual funs they gave me which was {$250.00}. They refuse to close the account and tell me we can close it in 3 days and then 3 days comes they have closed the accoutn and instead keep asking me to pay more money. It never ends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
State: MO
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 have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.

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 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened account at Capital one a month ago. Deposited check on XX/XX/XXXX. In XX/XX/XXXX noticed funds not be able to be withdrawn. Repeatedly called Capital one that weekend and week following and got nowhere. I was lied to, hung up on, transferred to nonexistant queues. Got letter today XX/XX/XXXX that funds had cleared, destroy check, spend funds. I activated my debit card which did not work. Called capital one on both my breaks, my lunch, an for an hour and a half after work. No one will give me information on why I can't access funds. No one has sent me anything saying anything other then funds have cleared. So if they cleared what is so important that they would not send me a letter or notification of the actual problem and how to solve it. They are holding my money hostage with no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Got a call from XXXX that a loan app was submitted today for a government program for self employed persons affected by Covid issues. I did not apply for it & I want my ID protected. I phoned the agency & told them that I didnt apply for this loan & to delete the application. 

I appreciate your help in this urgent issue.

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 2021-04-30
Company: EQUIFAX, INC.
State: PA
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:
Not Legal Validation & Re-ageing Debt I wrote Equifax regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. Equifax is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. Equifax is in violation continuing to report. 

Also the debt was Re-Aged by Equifax by 2years which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation