BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : DRS ( DYNAMIC RECOVERY SOLUTIONS ) XXXX Whom it may 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 assign ability because it violates 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 4 Wheat 518 : White v. Hart, 13 Id 646. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CFOB WRITE-UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have to 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.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX XXXX acct : XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXXXXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-07
Company: Experian Information Solutions 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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a Wells Fargo text message telling me someone was trying to XXXX XXXX dollars out of my account and do I authorize this yes or no I responded no within XXXX I received a phone call a rep. stating he was calling from Wells Fargo and he was calling to stop the transaction and that it was someone from XXXX bank trying to take money from my account they told me they put a hold on the transfer but in order for me to completely stop the transfer I would need to download the app and put the same amount to reverse the transfer and go through XXXX to do it, ( Now ) in the middle of rep talking to me I muted the call and called the number that he called me from XXXX just to make sure and the number connected me to a Wells Fargo branch and it did, so I believed the person. I did the first transfer in the amount of XXXX dollars but when I seen the money leave my account I became worried but the rep reassured me the money would go back into my account, but when my account wouldn't let me do the second transfer that's when my red flag went up the rep said it must be a system problem and he will put a hold on my account and call me back tomorrow same time. I called the bank immediately after the call from the number he called me from the rep told me it was a fraud call and she would have to write up a claim, Wells Fargo closed my case after 10 days but noted my file that it was fraud but since I did the transaction then I am responsible but they will try to get my money back from XXXX, but could not guarantee me anything. You gave advice to woman in XXXX who ended up on the news, I am asking for help XXXX dollars is a lot of money me, please help me.

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 2023-04-28
Company: Experian Information Solutions 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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Bread Financial Holdings, Inc.
State: IN
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The customer service for the following companies on this list would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am experiencing an ongoing issue getting a fraudulent block removed from my Equifax that is blocking companies from accessing my credit report. I first made contact with Equafax on XX/XX/2022, and was advised that the issue was my address being reported two different ways. I was assured they had corrected the issue and that the report would be able for the mortgage facility to view 3-5 days. Roughly a week or so later my credit was attempted again and same issue. I called back in on XX/XX/2022 to advise and was instructed to click a link that was texted to my phone from Equifax and upload two forms of identification to unlock this block. Once again, I was advised this would be resolved in only a few days. I then received a letter in the mail stating they received the documents and block was lifted. Fast forward to XX/XX/2022, I am onsite at a car dealership attempting to make a purchase and was advised once again they can not access my Equafax report. I called into Equafax at the dealership and was then asked to resend the documents as they didnt receive them. I advised that I received a letter stating they received them and more concerning if they did not then where did my social security card and drivers license go that was uploaded to the link they gave me? I asked for a XXXX and was told by the XXXX they cant unlock it because they didnt receive the documents and didnt know where they ended up. The XXXX was absolutely incompetent and did not want to assist me only to give me a fax number to send these very same documents they lost back to them again. I agreed to fax them thinking they could take care of this at that time only to be told by the XXXX it would be another 5 days to process. This is unacceptable and I have not been able to take care of purchases that are very important as I can not get anyone to fix this issue for me. I am needing help desperately with getting Equafax to fix this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: EQUIFAX, INC.
State: TN
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 Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX Card Services Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On three attempts my paypal account : XXXX has been limited to balance usage and in attempting to fix the issue I incurred some misrepresentation by the customer service team for the verification option o clear the issue of the restriction. 

The holder of the paypal account had only the verification option left to be approve was the card statement option which he provided what the bank has for the holders of accounts. 

The holder of the paypal account was mislead by the card statement verification being the only verification and further verification was asked excessively by proof of address and another card statement verification which proof of address was already approved by the option selected for proof of of identity. 

The holder of the paypal account was further mislead by the billing piece of mail to verify address and than the customer service stated they needed the actual bill continuously adding more circumstances as the initial verification for proof of address was met. 

XXXX XXXX the paypal account holder spoke to XXXX on the phone and transcript information included by attachment Account holder allege misrepresentation by customer service of paypal by personal injury intentional tort. 

Within misleading information within phone cal to customer service XX/XX/2018 ( XXXX ) and the verification process of the on the following day XX/XX/2018 ( XXXX and XXXX ) that implied piece of mail from chat transcript description of proof of address and card statement proof from checking account/prepaid card was given to the customer service to meet the resolve issues requirements and account still fail to be access to retrieve funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to MRS BPO, L.L.C. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of Metro2 compliance.

see the attached letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
I was a victim of identity theft. The account was opened without my authorization. Fraudulent charges were made and are being reported on my credit report. I have contacted the creditor to get this matter resolved. They refuse to honor my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Kriya Capital, LLC
State: NE
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of trying to remove this from my account. I do have a police report I had reported Since XXXX of Last Year 2022. I went ahead and received a Federal Commission Trade Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JP Morgan Chase Bank has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to XXXX XXXX, XXXX. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of XXXX compliance. 

see the attached letter for further details.

Company response to consumer: Closed with explanation