BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
CAPITAL ONE BANK USA N is reporting late as reported in my XXXX and XXXX. Letscorrect this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS XXXX financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some XXXX but evidently do not comprehend it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding a medical debt that has been reported to the credit bureau by the collection company, Lockhart Morris and Montgomery. Upon further research, I have discovered that this debt, amounting to {$670.00}, is in violation of the Florida statute of limitations for medical debt. 

According to Florida law, the statute of limitations for medical debt is XXXX years, and there is no separate category for the collection of medical debts. A hospital or other medical provider has a maximum of XXXX years to file a lawsuit for unpaid medical bills, starting from the date of the unpaid invoice or bill. However, upon conducting thorough research, I found that the date of this debt can be traced back to the year 2018, which clearly exceeds the statutory limit set by the state of Florida. 

I believe it is crucial to bring this violation to your attention, as it not only affects my credit report but also raises concerns about the collection practices employed by Lockhart Morris and Montgomery. It is disconcerting to see a debt being reported and pursued beyond the legal time frame allowed by the state. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to rectify this violation. I request that the XXXX ensures the immediate removal of this debt from my credit report, as it is in violation of the Florida statute of limitations for medical debt. 

I have attached all relevant documentation, including the letter from Lockhart Morris and Montgomery, as well as the research conducted on the Florida statute of limitations for medical debt. I believe these documents will provide the necessary evidence to support my claim and expedite the resolution process. 

I appreciate your attention to this matter and kindly ask for a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: LEXISNEXIS
State: WI
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:
LexisNexis said they verified a bankruptcy through the courts. This is impossible because the courts do not speak or report to third party agencies. They have failed to properly verify information that was disputed. They are reporting information that can not be verified to the three major credit agencies. This is chasing improper credit reporting through the fcRA. They need to remove the unverified item from all 3 agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Early Warning Services, LLC
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used the Zelle money service to digitally pay for a service. The issue occurred when the wrong email address was entered due to auto correct. This happened for two transactions, and I had written to XXXX and Zelle to fix the issue. Zelle told me to consult my financial institution. XXXX told me that since the money was sent to the email address listed that it was not an error. Clearly it was when it didn't reach the intended merchant. XX/XX/XXXX I originally sent {$530.00} to the wrong email address ; I had put XXXX instead of XXXX. I then made a second transaction on XX/XX/XXXX for {$250.00}. This is unacceptable customer service and is crazy to me, how can companies just rip people off out of money like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had someone hack into my bank account and they began making transactions through XXXX. ( I do not use XXXX often and have tried avoiding to use it but it is ingrained into my bank. ) The person made numerous XXXX  transactions to themselves resulting into almost XXXX dollars out of my account. My bank sees this as non fraudulent even though this individual used their phone to hack into my account. Since then I have made numerous calls to my bank and now they are just not helping anymore. They promised that I would have a case opened up but it's been roughly a week since then and I should have gotten a call within 3 business days.

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 2023-09-18
Company: Early Warning Services, LLC
State: NJ
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:
Early Warning Services , LLC is showing 3 fraudulent XXXX accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint on XX/XX/XXXX about derogatory credit reporting from Experian. The complainant was closed today ( XX/XX/XXXX ). Not only did they not provide an explanation for the initial complaint of my credit score decrease on XX/XX/XXXX but as of XX/XX/XXXX they decreased my credit score again. This is a credit score decrease twice in one month. They even put high credit usage on my report. However, the one credit card I have only reports once a month on the XXXX of every month and the last time they reported on XX/XX/XXXX, in which reflects my XX/XX/XXXX credit report, I was only at a 19 % percent credit usage out of a {$500.00} credit limit, with a {$97.00} balance. I am going to contact my Local State Attorney office. This is insane and blatantly derogatory reporting practices. Once again I am keeping a XXXX XXXX of all the violations and discrimination caused by Experian. My credit score went from XXXX ( reported on XX/XX/XXXX ) to XXXX ( reported on XX/XX/XXXX ). I am definitely getting everyone involved from the XXXX and local XXXX Attorney. I will be forwarding all my complaints as well.

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 2022-12-28
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
I would like this Credit Acceptance to remove my late payments. This was due to Covid when everyone was locked in their home and could not work.

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 2022-04-22
Company: Self Financial Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have paid off the loan terms, and I have not received my remaining balance. I havent received any communication from Self lender in regards to where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 an 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.

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 2022-04-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I reached out and that's when I found out it was a medical bill and that is when I submitted information that I receive XXXX XXXX. I submitted proof. I have been under XXXX XXXX  all my life. I don't know this company that is asking me for some monies. I keep disputing these actions and equifax is just asking them is the info correct. Noone is running the proof sent by me to see the corrections that should be made here. Equifax is poorly judging this dispute. This company reported the same amount after I disputed it the first time with a different date. This is not right. It's a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2019-08-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Heartland ECSI is charging me what essentially amounts to a prepayment fee. Heartland charges fees on direct debits by routing/account numbers, unlike most other servicers - including XXXX, XXXX and XXXX. I requested a refund of these fees and notified their customer service staff and supervisors that they were likely charging illegal fees on XX/XX/19.  They did not refund the fees. 
They appear to be in violation of my Truth in Lending Act disclosure for my federal Perkins loan in doing so. I asked that they refund the fees charged to my account on these dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 Further, I'd like CFPB to look into the legality of Heartland ECSI charging these fees to any of their customers. This seems to violate the spirit of the law against prepayment penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Continental Currency Services, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yes, services were offered for getting cash back from my EBT card. When I asked XXXX ( bank teller ) how much the fee was he said {$1.00} and then quickly stated that I would be getting {$11.00} from my {$15.00} dollar request. I entered my pin code and XXXX gave me {$11.00} walking out of continental currency services looking at my receipt I noticed the fee amount of {$3.00}. Waling back in business for my refund of {$2.00} because of being overcharged, lied to, misquoted, fraud. The store manager XXXX was not available. Then XXXX said call our headquarters in XXXX XXXX XXXX XXXX ) XXXX, after calling headquarters the phone kept ringing and then finally a voice mailbox machine recording played then I left a message stating " it's XXXX PST is anybody available to take my call? I am at the XXXX location XXXX store manager is not available to provide customer service '' for me this business is terrible, disorganized, unprofessional, without customer retention policies, disrespectful XXXX would not provide customer services kept repeating " come back tomorrow ''. I then kept calling Continental Currency Services headquarters in XXXX XXXX and a XXXX woman answered stating I should speak with XXXX XXXX XXXX I asked what is his title she said " marketing ''?? I explained that this matter was regarding customer service and I was told that he does that too. I really began seeing how this company does not have it together, so then she said or speak with XXXX. XXXX was eavesdropping my conversation with headquarters pretending she was ignoring slipped {$2.00} under her teller window, so I disconnected the call and explained in person at her window that I will never do business with her company ever again! This did not happen by coincidence I have been experiencing state sponsored persecution at the hands of XXXX, I believe because racial reasons XXXX.

Company response to consumer: Closed with explanation