BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: T.S. Holdings
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022 at XXXX XXXX XXXX XXXX, i called the number provided to speak with XXXX XXXX, at extension XXXX, about a credit deletion we were discussing previously. I had my mother on the phone as well because she had planned to help me with a payment, on this call we learned I had been given misinformation by XXXX the day before so now I needed to discuss with my mother privately because we didnt have the funds for what they were asking. XXXX then harassed us for several minutes about a settlement instead before we disconnected with a plan to speak again at XXXX XXXX XXXX. I called XXXX twice at this agreed time and was met with no answer, but I was told if I missed incoming calls from them, I would have further action taken against me. I left a voicemail with the thought that maybe he was tied up in something for a minute ; I received no calls for another hour and 15 minutes so I called again at XXXX XXXX XXXX. XXXX did answer this call and I informed him that I would no longer be pursuing any settlement or deletion, I no longer give my permission to administer the payment set up, and the only thing I would like to discuss was getting a validation letter of this debt, in writing sent to my current address. XXXX then began to berate me as to why I changed my mind, what my mother and I talked about, insisting I shouldnt do this, trying to give me more settlement offers, and going as far as waving down another representative to help berate me ; all while I was repeatedly asking him to stop, told I didnt want to discuss further details of my private conversations or why I was making any decision and repeated what I asked for. The other representative was XXXX XXXX, once he came on the line he began the same speech that XXXX had and then insisted I was letting my mother make my decisions for me, that I was unaware of the decisions I was making and unaware of what the correct decisions were, that I was ruining my credit, that I needed financial counseling, insisting I needed to listen to him and his advice, as well as talking over me constantly, telling me they had to request a letter of validation and wait for that to be approved so I should just mail them a request for specific information ( which I can do, but legally they have to provide me with a validation letter of the debt ), also called me childish and unprofessional for not listening to him and asking him to stop, and then hung up on me. I also have a recording of this conversation due to the first interaction this morning and I see no issue since they informed me they were recording as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The weekend of XXXX XXXX US Bank transferred my bank account information from UnionBank ( which it had purchased ). Unfortunately its instructions about how to regain online access did not work properly, so on XX/XX/XXXX ( I believe ) I spent several hours at the new US Bank branch while the employee enabled access to my new accounts at US Bank. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$5000.00} was electronically transferred out of one of my business checking accounts at U.S. Bank. I was provided no notice of this transfer. 
On XX/XX/2023 {$10000.00} was wired out of another of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. 
The night of XX/XX/XXXX I logged onto my US Bank accounts online and noticed only {$400.00} in an account that previously had over {$10000.00}. The next morning I called and arranged to meet with my local branch after finding these fraudulent transactions in these three accounts. 
The bank closed these accounts and opened new ones and replaced my checks. At the same time, we overheard another couple talking with another banker about fraud on their accounts. 
About 15 days later the bank 's Digital Claims Services mailed three letters ( dated XX/XX/2023 ). The one pertaining to wire fraud said I " authorized the wire transfer '' ( which is factually inaccurate ) and " We have investigated the matter and requested that the beneficiary bank return the transferred funds. Unfortunately, the beneficiary bank did not accept or acknowledge the request ; we are unable to further assist in this matter. '' The two letters pertaining to electronic transfer fraud stated " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' I met with the local branch manager again a few days later, who promised to escalate my case, but personally got no help from the corporate office. 
I have spent over XXXX hours on the phone with the Wires Department, Fraud Department, and Online Banking and have received no help in getting information about the receiving bank and account number that would enable me to follow up. 
US Bank has taken no responsibility for enabling access to my account. 
I have contacted my employer 's IT company about this situation, and was given their opinion that a breach of my account likely took place while security was reduced while the employee gave me online access.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: MI
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:
Experian Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609

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 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate

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 2023-05-24
Company: EQUIFAX, INC.
State: NY
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:
After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the Equifax Date Breach Settlement website that my information was impacted by the Equifax data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX Equifax has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXX for XXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXX XXXX credit card account opened on XX/XX/XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XX/XX/XXXX, as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. One company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: Bread Financial Holdings, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I Purchased a defective product for over {$1400.00} using Paypal buyer protection. I was told to return the product for a full refund. initially I was told that the buyer protection covers shipping cost, but Paypal said i would have to pay the {$600.00} to ship the defective product back. I paid to ship it back and after it was delivered I was that I would not get a refund. Im out of over {$2000.00} and no product to show for it. I would like a full refund as promised including the shipping. Why should I have to pay {$600.00} to ship a defective item back? I have everything in writing and I spoke to a supervisor XXXX as well as a Manager by the name of XXXX on XX/XX/XXXX on a recorded call as well as in writing I was told I would get a full refund. I supplied the tracking numbers for the return and confirmed it with a signature as instructed by XXXX the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NC
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:
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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
CFPB, There is wrong information on my Experian credit report. 

1 ) There is a XXXX hard inquiry that should be a soft inquiry - there is also a letter from XXXX that states this as well attached. 

2 ) For my XXXX XXXX XXXX XXXX credit card it was opened XX/XX/XXXX and is still active- I have never missed a payment - my credit report is missing the check mark, to show payments have been on time, for the months of : XX/XX/XXXX through XX/XX/XXXX. 

Attached to this complaint are : - Drivers license to show who I am + address verification - Letter from XXXX ( XXXX ) that states to make the hard inquiry a soft inquiry - A formal complaint letter Please have these handled as soon as possible - thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had credit card with Capital one. I authorized them to take a $ XXXX from my checking account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) towards my balance and minimum payment. I paid off my credit card and closed the account in XXXX. Shortly after i noticed capital one deduction still active and deducting $ XXXX. I contacted them and ask to stop the deduction as i dont owe anything and credit my checking. After a year, they denied taaking any money and asked XXXX to contact them and send them detail statement of these deduction. XXXX  fax the necessary documents to them but they continued with the deduction. I was forced to close my account to stop the deduction. Total of {$1500.00} was deducted. Capital one send me a letter saying they tried to credit my checking account but were unsuccessful because the account was closed. Once again XXXX send the information about the new account number. I have not received any credit from Capital one and they are telling me they closed the cased. I decided to further investigate my accounts. I requested statement from XXXX to the closing date from capital one and XXXX. I found out the $ XXXX was not applied to my credit card beside couple of months. Over {$1300.00} deduction was never applied to my payment that they Capital One had taken from my checking account. furthermore this had cause a lot of late charges and finance charges on my credt card. I had XXXX fax the detail documents to Capital One and undortunately still no resolution. They owe over {$2500.00} in cash for withdraws from my checking as well as finance charges and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a multitude of red flags pop up around mid XXXX, 2014 and obviously took brisk action in fixing it. One of the few conclusions we ( my bank and I could find ) was to close my account and my cards and issue brand new numbers for each one. The date that this supposed money was put into my account was AFTER my accounts were closed and I was issued new account numbers and card numbers. The company Speedy Cash left me a large amount of pretty threatening voicemails including telling me youre going to jail no matter what, just pay ya we need the money after I specifically spoke to them about how theres no possible way the money could go in and if it did it was identity theft and I told them to contact my bank and they asked for the information and I gave them the number of the bank, XXXX XXXX and I also gave XXXX a heads up that they needed verification that it was closed. I never heard a word back again ... AND NOW its in debt collections? No way ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
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 Account Number : XXXX XXXX XXXXe : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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