BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company does not answer to my disputes regarding this account without stating that my FTC AND MY DRIVERS LICENSE are invalid which is incorrect. I have 4 witnesses that can prove I have done so properly and in a timely manner for 11 months. Equifax continues to spam myself with mail without having any permission purpose to post this invalid account onto my credit file and continues to lie to the consumers about their investigation process.

This company is not putting the account in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting this inaccuracy you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX This company does not investigate XXXX XXXX XXXX XXXX and states that they get paid business from keeping business with them and leaving my credit in the ruins

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Google pay keeps looking my account and asking me to verify debit cards that have not been on my account for years and I can't verify because they keep using old debit cards thats not on file and the ones on file they won't let me verify. I'm still locked out my Google pay and my {$3500.00} i had in the account is gone missing and there not helping me get my funds back its been over 7 to 8 months and need access to my Google pay account. This company is unreliable and no one understands English and I would like to file a complaint to access my Google pay account and get my {$3500.00} that was in it so I can get my funds. I been evicted because the money that was on my Google pay was for rent and soon as I put it in my account they locked my account and I couldn't pay my rent. I will also be filing a law suit against this company they do this to everyone. Someway some how my funds I had in my account is gone. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: KY
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:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than XXXX 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 have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Netspend Corporation
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened the account with XXXX ( owned by XXXX XXXX/netspend ) since last XXXX, from the start, the bank service was horrible. Unreachable customer service, extremely long hold on the phone, and non responsive email communications. On top of that, the access to my account was inconsistent. Frequently with no reason at all they lock my account and force me to call them, but every time i called, after long hold they transferred me back and forth and give me a run around. On XX/XX/XXXX they locked my account again and when i called they asked me to send them my social security card and my picture ID, which i did. Then on XX/XX/XXXX asked me to send proof of my address, which i furnished with my 2020 year end 1099 tax form on the same day. Following week i heard nothing from them despite their 24 hour turn-around promise and my repeated email inquiries. Finally on XX/XX/XXXX they responded to my phone call and told me they finished reviewing of my documents and my account was unlocked. 
However, on XX/XX/XXXX, my account was locked again, and when i called them they told me the proof of address ( my tax form ) that i sent them on XX/XX/XXXX was not accepted. They claimed the picture needs to show all 4 corners. So on XX/XX/XXXX i resent them my social security card, my picture ID, my 2020 1099 tax form from them ( XXXX ) and my XX/XX/XXXX mail from XXXX which all showing my name and mailing address. I received their email acknowledging the receiving of the documents and again promise of 24 hour turn around. Today is XX/XX/XXXX an i still haven't heard from them and my account is still locked. I haven't been able to access to my money for more than a week now. This is unacceptable.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
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 last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}

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 non-monetary relief
Consumer complaint received 2023-01-11
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wise deactivate my account ( wise is a virtual banking services ) I use wise for my payments which is received from my clients and wise suspend my account almost 3 month ago and I summited an email with all the information which they demand like my picture and my national identity card and they give code and they told me to write on blank page and they told me to hold it beside my face with your national identity card and I summit all of the things and then they reply me after XXXX to 50 days and amount is stuck in that which is almost XXXX $ and wise not demand any extra bank account to give your amount but I send but not giving my amount and not telling me why your account got suspended here is my email from where the wise can verify or find my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-14
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 was affected by the Equifax Data Breach. This is a unauthorized account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I use Chime as my bank to have my XXXX deposited as well as of every other dime of money saved. I had a charge that I did not recognize from Chime on my credit report. So I found Chime 's customer support number online and called went the prompts and finally got a rep on the line. She announced her as XXXX XXXX. She went through all of the verifications. So I explained to her there was a credit card on my credit that I did have have and told her the balance of {$1500.00}. She took me through downloading an application that gave her the permission to see what I saw on my Chime account to get this removed. My phone died in the middle of our conversation so she called back and left her name and number as [ phone redacted ]. I called her back long story short she took my money from my savings and credit builder account and transferred it to my checking account and had me put in the reason field Transferring to XXXX XXXX Once this was completed, she said my funds would then showed she correctly within XXXX minutes and hung up. I called back confirm what was exactly done and I reached another representative and she said it would show the next day and hung up quickly. I went and looked at the balance in all of my accounts and they showed {$0.00}! I called the number given and got no answer. I had my daughter call and the number was disconnected! These people took out every dime in all of my accounts. My XXXX, every XXXX to my name was gone. I called a different number given to reach Chime and explained what was done and I filed a dispute and gave documentation to support what was done. It took Chime a day to confirm that I would get no money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Attempted to withdraw my funds from BlockFi.com but they have frozen withdrawals and do not respond to my inquires regarding the status of my funds. They froze the withdrawals with no prior notifications. The second I received the notification ( XX/XX/XXXX ) I tried withdrawing my funds but it did not allow me. They've practically stolen my money alongside XXXX other users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Cease and Desist Letter Pursuant to 15 USC Dear Capital One I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
Capital one bank on XX/XX/2023, ran my credit as a hard inquiry with all three credit bureau without my consent. I have not yet received a letter with my consent from Capital one that I authorize them to run my credit. I need this hard inquiry removed from XXXX, XXXX and XXXX its hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have been reviewing my credit reports and noticed I have two collection accounts one from LVNV Funding LLC and XXXX XXXX XXXX for A XXXX XXXX  Credit card. each collection has one listed from around XXXX for XXXX and the other listed in XXXX for XXXX I don't recall having a XXXX XXXXXXXX XXXX around the time of the second account and The Original creditor Isn't listed on my credit report for either account, suggesting the first one aged off, closed or charged off the account. I also noticed both collection agencies are owned by XXXX XXXX XXXX. 

This leaves me to believe there is an " error ''. So I'd like both LVNV and XXXX to provide documentation showing these two accounts aren't actually duplicate. Please provide all relevant and reasonably necessary documentation showing these are two separate accounts. 

Thank you

Company response to consumer: Closed with explanation