BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I saw a property for rent on the internet, so I wrote and put my email so that they could give me information. Then they texted me, saying they were writing to me about the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They asked me how many people we were, etc. They told me the amount of the rent and the requirements. We make an appointment to view the property. On Saturday, XX/XX/XXXX of this year, I went to the property, the supposed owner called me, told me that they would send me a code to open the door of the house, and the same thing happened, they opened the house through a smart application! We saw the house my brother, my husband and I, only! And the supposed owner was always on the phone. He told me that in order to take the house off the market and set it aside for me, he had to give the refundable security deposit which was the same amount as the rent! So I sent it to XXXX and then {$75.00} more for each person to apply for those who would live on the property! Ok, so it was {$1400.00} plus {$300.00}. Then he asked me to pay the first month 's rent in advance! But I began to doubt, and then I did not make that payment! The person insisted, he called me, he sent me messages and I told him that for me to be safe, that we should see each other so that I know that it is not a scam, then he sent me the supposed identification that was the driver 's license, I investigated it on XXXX but really I'm not sure it's that person! XXXX spoke with an accent like a person who doesn't speak English well! And he told me that he would talk to his lawyer, today he called me a different number saying that it was his lawyer! I said that I want my money that I have family to support that I need my money and the person blocked my calls, he told me that ok he would pay me and still nothing! This is the number through which I have been called and written XXXX ( XXXX ) XXXX and this is the supposed lawyer XXXX ( XXXX ) XXXX This is the supposed Homeowner and property manager XXXX XXXX XXXX XXXXXXXX. and this is the email where I made the XXXX : XXXX and this email sent me the alleged rent approval letter XXXX And the name of the supposed homeowner is 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 2023-10-09
Company: EQUIFAX, INC.
State: AL
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:
There are Collections and Charge offs and Late payments that are on my credit report and I have contacted XXXX, Equifax and XXXX on many occasions and they have failed to respond to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. Capital One put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: GA
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:
Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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:
Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion Rental Screening Solutions will not clear my personal consumer report of an eviction that I asked the to send me proof of. When I put in a dispute I was advised that the information was verified. However that eviction was sealed by the courts in XXXX, therefore I know they were unable to get any information to verify it. At this point I they are stopping my family from having a home since they are reporting incorrect information. I have attached their dispute response as well as the court documents for the eviction being sealed last year. I was being evicted during covid. I was awarded rent relief all the way through XXXX  of XXXX. This information needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Equifax XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my XXXX dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet is still being reported. They have responded both times within XXXX  days but failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXXr or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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 made several dispute about Portfolio Recovery Associates LLC with XXXX, XXXX, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with Portfolio Recovery Associates on these XXXX accounts. 

The first XXXX # XXXX for {$350.00}, last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to Portfolio Recovery Associates and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from Portfolio Recovery Associates until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

Portfolio Recovery Associates LLC already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-06-12
Company: EQUIFAX, INC.
State: MO
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:
Equifax is continuing to list improper payment status on my credit report for Missouri division of Child Support account that closed in XXXX my last payment was XXXX of XXXX they closed the account XXXX of XXXX but they are continuing to list that I was 120 days late from XXXX of XXXX until XXXX of XXXX every single month I have provided documents from the state of Missouri and they still continue to incorrectly report payments history on my report now I expect to be paid for every violation XXXX violations... 
The first document I am uploading is from the Missouri Division of Child Support and it's highlighted that my final payment was XXXX of XXXX they closed the account the following month in XXXX of XXXX because I did not have to pay child support anymore my son turned XXXX in XXXX of XXXX the second document I am uploading is what I received back from Equifax after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
It was already removed and now they are harassing me with phone calls and letters

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 2023-10-09
Company: EQUIFAX, INC.
State: ND
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered some shoes from a small store, and it seems the price was to good to be true, cause i received a box, but it was empty, and had nothing in it, so i should be refunded for my order  XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX # XXXX Current dispute status is Dispute Date XX/XX/XXXX Status Updates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened two Capital One Accounts two years ago. I have remained in good standing with both accounts. I was never late on any payment with Capital One. In the beginning of the XXXX billing statement I contacted Capital one and informed them that I was getting a promotion and the XXXX XXXX XXXX at my employer would be changing my direct deposit date. Consequently, I would be paying my credit card bill a week late. I was pro-active and extremely diligent in my efforts to remain in perfect standing with Capital One. Unbeknownst to me, Capital One continued to process my payment via. my XXXX XXXX XXXX account and the payment was declined. They tried again to process payment a day later and the payment was declined once more. On XX/XX/2023 Capital One closed both of my Credit Card accounts. I was extremely disappointed and tried my best to remedy the situation. Unfortunately, my accounts remained closed. Capital One couldn't give me any reasonable reason except it was system generated. I would like both of my credit card accounts reviewed and re-opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: KS
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I found out that I had been receiving child support and it was going into a card that I had no knowledge of. I was told in XXXX of XXXX that I no longer would be getting payments and I threw away my card. Come to find out someone requested a card in my name, received said card, activated the card and began to use the money that was on the card as well as the payments that continued to load until I realized I was receiving payments. On XX/XX/XXXX I filed I dispute on all transactions that occurred from XX/XX/XXXX to XX/XX/XXXX. 
The dispute team awarded me a partial refund of the miner but denied me two transactions that occurred on XX/XX/XXXX the day the fraudulent card was activated. They were both {$500.00} and at an ATM. I was denied this payment because they said the dispute was over 120 days old. That's not possible. The transactions were XX/XX/XXXX and the dispute was filed XX/XX/XXXX. That's 99 days, period. There's no way to add 21 days to that date and make it over 120 days. I have spent hours on the phone with customer service reps, some have lied to me and said they were in direct contact with the dispute team and the denial stood, others say there's no way to contact the dispute team as they are off site. I have been told that I would be receiving a call from the dispute team within 24 hours and no one ever calls. There should of never been a card sent out that I personally didn't request. The security of US Bank is a joke. 95 % of the time they fail to ask me my password. I could be anyone calling in and they have dropped the ball completely.

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