BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX HAS RECENTLY VIOLATED THE F.C.R.A., ILLEGALLY DEPICTING XXXX XXXX  ACCOUNT NO. XXXX IN A TEXTBOOK EXAMPLE OF RE-AGING BY THEIR DEPICTION OF THE PAYMENT HISTORY.THIS VIOLATION CARRIES A {$1000.00} PENALTY WITHOUT PROOF OF INTENTIONAL NEGLIGENCE. 
THE PROOF OF MY ALLEGATIONS ARE ATTACHED. 
UNLESS THE ACCOUNT IS DELETED PROMPTLY I WILL CONTINUE TO ACCUMULATE FALSE VERIFICATIONS UNTIL I HAVE EXCEEDED THE SMALL CLAIMS COURT LIMIT OF {$10000.00} IN STATUTORY DAMAGES AND PROCEED TO COURT TO OBTAIN A JUST JUDGMENT AGAINST EQUIFAX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a debt collection amount {$720.00} on credit report which was XXXX XXXX XXXX in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to XXXX  during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Ascension Point Recovery Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified XXXX of his death and subsequently provided it with the documents issued by the XXXX. XXXX assigned it to Ascension Point Recovery Services ( ARS ). ARS advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of Mr. XXXX ' death. I asked and their representative could not tell about repayment deadlines. ARS 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to XXXX : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called Ascension & asked for a balance. Their Representative said the account was returned to XXXX in XX/XX/XXXX & gave me a phone number to XXXX XXXX XXXX. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called XXXX & spoke to Representative # XXXX and asked how XXXX got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of XXXX in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello my name is XXXX XXXX, I used to be a customer of Wells Fargo, when I started working back in 2019, I decided to let my paycheck go to Wells Fargo bank. I use an XXXX XXXX so I have subscriptions that I was paying for and also other things that I was paying for, once the payment was being made, I would start to notice that the payment was being deducted from my account twice. I didnt understand what was going on so I called Wells Fargo and explained what was happening and they said that sometimes the payment doesnt clear right at that moment so it may take it two or 3 days after the post payment. This happened frequently, even when I was no longer working anymore I tried to keep money in my checking account but they were withdrawing from the account more than it was supposed to be and then I got hit with unwanted overdraft fees. My balance was at {$150.00} maybe {$200.00} now and it maybe more, they closed my account out and said I had to pay the money to have my account reopen, I dont know if more money was getting sent to that account or not but I can still login but I just have no account to view anymore.

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 2023-05-15
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was asked by a potential employer to use first advantage to do background and drug screen, I'm going to way way summarize, essentially the employer misinterpreted my results, refused to speak with background check company, and I was never given adverse action paperwork, or the chance to dispute the issue, before my formal job offer was rescinded. There is a ton more to the story. I have literal recorded calls regarding the fact the info was wrong. The employer told me I failed for adulteration of my sample, background Co states that is unequivocally untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: IA
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past few years I have been almost entirely unemployed, and besides the time I was actually in college, my loans should have been under the income based repayment. I had no idea about the difference between IBR and forbearment and deferment. Instead of having my principle reduced and interest halted entirely, my student loans have increased due to deceptive behavior by Navient. Today I learned that interest should not accrue from IBR plan, and I remembered seeing an email recently about accrued interest. So I looked at my Navient account ans see DEFERMENT instead of IBR. On the IBR screen it is very tricky, it suggests I am on it because it says to contact them to exit it. All this time I thought I was on the IBR plan. It turns out, I was scammed. Also, it's not possible to proceed with IBR because it requires certifying on the site, which pulls IRS, and since I was unemployed, there are no IRS records. Therefore it can not proceed, and Navient refuses to help.

This is only the tip of the iceberg. Years ago I had returned to school thinking that, since I was unemployed, I was under a deferment or something. Turns out all were in default. So I reconsoliated with totally wrecked credit. Unfortunately, the student loan company neglected one of the loans into the reconsolidation, so years later after that I learned that that loan was still in default and my credit was destroyed. So, I solved that. Then the student loan company continued to report false information resulting in years of destroyed credit. Today one loan is left which will fall off my report in two years despite them reporting a false default which was years after I solved the reconsolidation issue that had also been their fault.

This is not even mentioning that their illegal practices and illegal  laws forbidding bankruptcy or any protections under the law for illegal moneylending practices and exorbitant interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 

XXXX XXXX Account number ending XXXX Open date XX/XX/2022 XXXX XXXX XXXX Open date XX/XX/2022 Balance {$4000.00}

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 2019-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the XXXX of XX/XX/2019, I purchase a computer from XXXX for {$530.00} and on the XXXX of the same month purchase a year warranty for XXXX. On the XXXX of XX/XX/2019, I send a payment of {$820.00} on line to Capital-one. Now a few days later I received a bill from Capital-one and I believe that I was charge twice. I immediately called Captialone and spoke with a Mr. XXXX. Later I got a request on how to send the computer back and was too late to cancel the complaint. Anyway, I did what the XXXX representative stated and all XXXX broke out. I started receiving double bills with different amount. I even went to a branch in XXXX. I just got disgusted because all I was getting was a run-around. I finally went to my bank and talked with a representative a Mrs.. I have talked with so many people that I didn't get all the names. Anyway, on the XXXX of XX/XX/2019 I was informed to collect all document and sent to him. I mail them, I believe. At this point I have been so confused that I not sure of anything. My money of {$600.00} according to Captialone is stilled. I still want to know how? The has been credit and token back so many times that I'm just a confuse as my bank representatives. Now if you could assist me in this matter it would be appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-02-09
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 XXXX XXXX is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
I opened an Amex credit card in XX/XX/XXXX ending in XXXX. 

In XX/XX/XXXX, I received an alert that there was fraud on the account. It was a charge from XXXX. 

I cancelled the account and reopened it to prevent future fraud. 

On XX/XX/XXXX I received a charge for {$350.00}. I did not authorize this charge. I contacted customer service and they stated this charge is irreversible. 

I have paid the charge to not impact my XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a BinanceUS account that was completed verified and was able to do normal transactions. Today ( XX/XX/2021 ) I have received an email asking for a Video verification that I have sent. I was able to deposit more money into the account, but when I try to withdraw my money it is saying that " withdraw is suspended for XXXX XXXX ''. I have sent email, open tickets and even contact them on twitter with no response and still not able to withdraw my money. Now i have {$690.00} on this exchange that i am not able to send to my account. I really appreciate your assistance with this matter.

Company response to consumer: Closed with explanation