BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello, I requested a balance transfer on XX/XX/23 from my chase credit card account to a newly opened wellsfargo account for the amount of {$5700.00}. I went on the wellsfargo website and filled out the application for a balance transfer. once the balance transfer was processed on XX/XX/23 the XXXX was posted on my wellsfargo account. I then checked my chase account and realized that I still had a balance of {$5700.00}. I contacted XXXX and they stated the balance transfer came from a XXXX 's account. I informed them that I do not have a Macys account active currently and it was impossible for this money to come from my Macys account. They then stated I must have typed in 1 or 2 incorrect digits by mistake on the balance transfer application that matched an unknown Macys account that is not mine. A case with wellsfargo was opened in XXXX for Macys to refund the funds. Macys has not responded yet and I have no information on how to contact Macys to get this expedited. When I call Macys they will not provide me with any information on account that is not my own. Now I have someone else 's debt in my wellsfargo account and I am having to pay on that balance as well as my own balance on my chase credit car account. I have never heard of someone having to pay someone else 's debt and this should have been taken care of already. this Macys account is not linked to my social security number, name, address. I need help please to expedite the refund of this money from Macys back to wellsfargo.

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 2020-04-08
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 belongs to someone else

Complaint:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

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 2021-05-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Experian on XX/XX/18 to have dispute remarks removed instead the agent updates my three accounts as closed. The three accounts are still open and active. When I contact the bureau for help, they refused to help me. Experian representative were rude and unwilling to fix their error despite the fact I have letters that reflect my accounts active and current.

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 2021-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, AND XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX  Reported : XX/XX/2019 {$200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As a sovereign living women made payment by mail to SELECT PORTFOLIO SERVICING XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on XX/XX/2022 for the mortgage debt in the legal entity name. It has come to my attention the debt collecting company has been paid in full at closing under title 15 section 1605 ( a ) and title 15 section 1691 ( a ) via extension of credit. As the bearer of the mortgage-backed securities 31 CFR 328.6 ( a ) and under UCC -3-302 as holder in due course sent ( UCC 3-104 section F ) tender of payment under UCC-3-603 to SELECT PORTFOLIO SERVICING INC . The company Select Portfolio Services deny payment under UCC-3-603 ( b ). Whereas 1782 Act sign in congress states the American people are the original creditors therefore SELECT PORTFOLIO SERVICING violates title 15 section 1602 ( g ) and title 15 section 1605 ( a ). Furthermore, out of dishonor SPS violates FDCPA and violates UCC 5-102 section 8. SELECT PORTFOLIO SERVICING Inc, are in violation of consumer credit under ( Truth In Lending Act ) title 15 section 1692 ( b ) section 2, shall not state consumer owe any debt. All debt collectors shall face legal action under title 18 section 241 Conspiracy against rights and title 18 section 242-Deprivation of rights under Color of Law. For the violation Title 15 section 1692 ( i ) section ( b ) and title 18 section 1341-Fraud & Swindle. Without prejudice, All Rights Reserved UCC 1-308.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have advised Navient for over six years now that this loan for {$5400.00} was paid off to XXXX XXXX. XXXX XXXX did not report the correct information to three others lenders who bought the loan. In for years it has accrued lots of interest. They are showing a outstanding loan for $ 16k and thats not correct. I need this issue address and cleared off my credit report. Its over 30 years now. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with Experian, XXXX and 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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card that I did not apply for, according to the credit card company I applied on XX/XX/XXXX and received it XX/XX/XXXX. 

I did not apply for a credit card with in the last two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a debit card from Square ; however, I never signed up for an account. The card also says " XXXX and XXXX XXXX '' on it, and I have never attending the college, worked for the college, or have any associations with the college. I tried calling the phone numbers I found online for Square, to report fraud, but the numbers just hang up on me, then send me a link for a chatbot. I came to a deadend when I tried the chatbot. My problem occurred when the chatbot asked me what the email address on my account is. I never signed up for an account with them so my email address would not be in their files ; however, I entered my email address anyway so I could continue with the chat, then I was given a message saying " enter a valid email address '', and I could not continue any further. They don't have my email address in their files, because I never signed up for an account which is the reason I was trying to get help. I want to know why they sent me a card if I never signed up for an account and report fraud to them, but I am unable to do so. It is very strange that their supposed phone number just hangs up on you and sends a link to a chat, and there is not option to say that I don't have an email address with them. How am I supposed to report fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
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:
To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, my family member sent me {$1000.00}, but when sending, the bank accidentally missed one digit of my account. After about 1-2 weeks, the sending bank corrected this and informed the receiving bank. To this day XX/XX/2023, the sender bank reports that the money has been delivered to the bank, while Capital One Bank says that the money has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
send anything this time because I wasnt trusting of his intentions anymore. Within a few business days I was notified by my bank that these checks that were deposited were fraudulent. I immediately called my bank and explained everything with as much detail as I could about this man. He provided a phone number to me recently asking for me to send {$400.00} because his bank account is locked. At this point I definitely know that this man is not who he says he is. I acted along asking for a number that he could provide to me to do this transfer he gave me the number belonging to an XXXX XXXX ( XXXX ) XXXX. Which I had not used to contact at all because of the situation as I am trying to obtain the most information from this person without creating suspicion that I am aware of his plans. I did call my bank account filing a claim and will contact my local authorities about this crime. This is the most I am able to obtain from the conversation I have had with XXXX XXXX. All through the social media application XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Rent Recovery Solutions
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RENTRECOVERYSOLUTIONS {$5400.00} XX/XX/2023 I disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CAPITAL ONE Months XX/XX/2023 and XX/XX/2023 Reporting late payments on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-13
Company: EQUIFAX, INC.
State: GA
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 following accounts has violated my rights : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX Date of inquiry : XX/XX/2023 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
as of XXXX XXXX XXXX i have notice fraud accounts and inquiries on my credit report account name : capital one account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: OLD NATIONAL BANCORP
State: MN
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:
My account was charged XXXX on XX/XX/2018 by XXXX. 
I contacted XXXX on Saturday XX/XX/XXXX and was told the money would be back in my account on Monday XX/XX/XXXX. 
I called XXXX 3 times on Monday, I was finally told I had to contact Mastercard to dispute the charge. 
I havent gotten any kind of help or response from XXXX to resolve the issue. 
Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief