BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On todays date of XX/XX/2023 and got a notification from XXXX XXXX. Its a service that lets me know when accounts appear on my credit report. So today I got a notification that an account called LVNV Funding that I never contacted before or have any business with them put a negative remark on my credit report stating I was late for a payment. How could I be late when I dont even know who this business is nor have I ever dealt with them. This is a fraudulent account and needs to be removed asap. I need to be reimbursed for my credit reporting getting negative remarks from this account. This is hurting my well being knowing this account is there hurting me. I was trying to go get a vehicle today and now XXXX cant because of this account. Its on all three of my credit bureau accounts as a collection. Please help me get this removed because its a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 an {$800.00} atm withdrawal was posted on my account. I did not know until XX/XX/XXXX and was told by BOA that I would need to call the fraud department on Monday XX/XX/XXXX. I called and filed a claim and was asked to wait patiently up to 45 days and that I would receive a letter in the mail. I called XXXX to update them on the matter. After filing the claim I waited a few days to Contact BOA to obtain an update and was told my account was frozen. I figured it was obviously frozen because of the claim. I kept calling every few days and I was being told the same exact thing its frozen. I finally asked what they meant by its frozen, and they went on to say its frozen because XXXX placed a hold on your account due to them waiting on verification. I asked why they did not tell me this before and they apologized. I call XXXX and verify and was told by XXXX that once BOA received the verification letter they can lift the hold From my account along with provisional {$800.00} credit that they must give me. I called BOA almost everyday to find out whether they received verification. When they finally stated that they did XXXX which was actually days before ) they stated they would submit a form ( apparently he said its a form he has to fill out and did not tell me more than that ) along with submitting my claim for a reconsideration this was on XXXX XXXX was told this can take months, and that the XXXX  days I had already waited did not count due to the account being closed. I called back XX/XX/XXXX in which I was told that no one submitted a reconsideration. So a reconsideration was filed. I called XX/XX/XXXX and spoke to a supervisor who stated I would be given the provisional credit. I have been getting the run around about my funds since XX/XX/XXXX. Bank of America supervisors have hung up on me multiple times and do not have an answer for anything and even going as far as telling me to bank with another banker. It has now been almost 60 days and I have yet to receive anything in the mail regarding my claim. Today I have had it, was hung up on by a BOA claims status supervisor as well as feeling humiliated and asked why do you need the money for? Bills, payments, food, OR what? I can not believe that they would ask me why I need MY Money for. I do not think that BOA plans on ever refunding me this money and I have been the one calling and calling to get things moving. And nothing has changed. I can only imagine how many people are going through this.

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 2023-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it may concern. I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so. Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission. ( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
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:
I have contacted the credit bureau in question in regards to inaccurate information that were being reported onto my credit report and it has been more than 30 days and they have not provided no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: LendingPoint Holdings LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX Lending Point LLC charged a card that was previously used for a one time payment months before, they used it for an unauthorized transaction on XX/XX/23 for {$500.00}. When contacted, the company agreed they knew of the transaction and that they would immediately fix it. To this date I have talked to a few representative who have given dates that it would be credited back to the account and this has not happened. Various dates and times I was told it would only take 5 days to credit the account back, then most recently I was told it would be back in XXXX to XXXX business days from when I called, not when they realized they did this action illegally. Which meant that, this past Friday would have been the date the credit would have happened. 

The account was over-drafted by this deceptive practice and fees were applied, the account was not authorized for any transaction or drafting on that date and there was not consent given to draft the account. For several weeks this has cause major grievances and even lost wages. 

The actions of Lending Point LLC have caused bills to be unpaid, fees applied, and lost wages from the company drafting a payment from a debit card/account that they were not authorized to do so. 

The company knew of the incident and have not rectified the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TO WHOM IT XXXX CONCERN I would like to initiate a complaint to CFPB. According to a communication received from said office of PHH Mortgage Company, I was to have had an opportunity to submit information regarding my Capital Home Improvements for deductions regarding the Pay-Off of my home. However that has not happened. I have been in communication with this mortgage company now over many different issues. I should have been given an opportunity to have my home appraised by a certified appraiser. I should have been able to submit a list of my Capital Home Improvements I was not, nor was it requested of me. I was just made aware that the opportunity existed from a communication sent from the Ombudsman Office via CFPB. The mortgage company, ( PHH ) has come up with a said amount for a Pay-Off that I totally DISAGREE with in the amount of {$57000.00} Ive requested a detailed breakdown of how the amount was arrived. No detail follow up of said concern has been offered as of XX/XX/2022. I am requesting your assistance and advice regarding help with this on-going complaint. Thanking you in advance for your help. Ive offered paper work for Capital Home Improvements and a home appraisal report has been submitted. Last payment ( balance on the account ) of {$6.00} for mortgage payment was attempted at least three times and each time it was declined with a returned check from said mortgage company. The mortgage company has now caused my credit ratings to become compromised, therefore placing me in a position to be denied credit approvals. My credit score dropped down greater than 100 points. P.S. I was told by a representative via phone about XXXX or 6 months ago that the pay-off should be about {$4000.00} to {$5000.00}. Not {$57000.00}. Still no financial breakdown of arrival amount. Thanks again for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ( Original Creditor : XXXX  ) XXXX : {$170.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2018

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 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
This is the 3rd complaint filed with regard to this matter. The previous two complaint numbers are XXXX and XXXX. 

It is notable that the XX/XX/2021 letter by Capital One was written by an unknown writer. Apparently there is no one at Capital One who is willing to put their name on this injustice of a cardholders rights under VISA rules. Also this cardholder left a phone message for supervisor XXXX over one week ago that has never be returned by Capital One or XXXX. 

The response by Capital One is lacking an explanation or rebuttal of the information this cardholder complained of. All of the following are due a response. 

1 ) Why Capital One used an invalid chargeback code for merchandise not received when it was evident that the merchandise was being held in Customs? 

2 ) Why Capital One attempted to bring a pre arbitration chargeback but missed the deadline and it was rejected by VISA for the late filing.

3 ) Why Capital One did not ask the cardholder for the contract when it knew there was a contract governing the transaction? Both the merchant and the cardholder stated there was a contract.

4 ) Why Capital One did not enforce the contractual agreement that required the merchant to refund the full purchase price upon the breach of contract by the merchant?

5 ) Why Capital One has failed to bring a compliance inquiry with the merchant and VISA when the merchant clearly used the VISA payment system to collect funds from the cardholder based on a written contract that the merchant breached?

It appears that Capital One is supporting merchant fraud and/or breach of contract. A cardholder has rights under the Federal laws including the fair credit billing act and VISA rules. These rights and rules were clearly violated and Capital One is refusing to take responsibility for this. 

See screenshot from Capital One website where Capital One promises that merchants are held to their polices. Here the merchant does not even have a return policy in violation of VISA rules. There is a contract however between cardholder and merchant promising the cardholder he will receive a full refund if the merchant ships the merchandise on a date other than agreed. Here the merchant clearly shipped the merchandise on a later date breaching the contract. The cardholder had every right under all laws to expect a full refund through his credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Business Account with Comerica Bank back in XXXX of XXXX. At that time I indicated that I need to come back to bring in the XXXX from the State to open the account as an LLC. The next day I took in the XXXX information to the branch manager and she never processed nor contact me to tell me to let me know that she needed more information to change the account type to an LLC account and not a XXXX. 

On XX/XX/2022 a customer sent a wire to my business account to purchase 8 pairs of shoes from my wholesale distributor. My sales manager is my husband and he brokered the sale. The funds were sent to my account to ensure my husband received the funds because the buyer was not comfortable sending the wire to XXXX XXXX. I went into the Comerica Branch on XXXX XXXX and they immediately asked was my husband real person because he lived in XXXX and that was where I wanted to wire the funds to purchase the shoes for the customer and have them ship the shoes to the man in XXXX. The lady at the branch went and got another manager and she basically accused me of fruad and I said I am aware of any fraud and I contacted my husband and he called the customer to find out why the wire was flagged. The customer said he was not sure why and he would contact his branch find out and he sent my husband a message saying the wire was sent and should be released. The bank did not listen to me or my husband. They basically froze all my accounts business and personal for two weeks. I have been without money and not access to my regular paycheck nor my funds from my other customer. 
Since that time I spoke with the banks fraud dept and was told they needed an invoice and other documents to prove this was a sale and not fraud. I provided the bank with everything they asked for yet they still did unfreeze my account. 

I am asking for them to no only send the funds back to the customer if the money wire was fraud and allow me to continue to run my business and have access to my funds. 
As of today the bank has charged me in access of {$600.00} plus dollars in fees and still have yet to release my other funds from my business to pay my bills on the business and pay myself. 
The banking representatives saw that I was an XXXX XXXX american with a XXXX  husband and has basically profiled us and stopped us from earning our living. They also have held up funds and treating me and my business unfairly based upon their banking guidelines. 

I am not a criminal but a US citizen trying to have a small business in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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.

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 2022-10-12
Company: Experian Information Solutions 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:
This is my 3rd 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 an alleged fraud or extortion. 

XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}

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 2022-10-12
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation