BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: FISERV INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing this email to file a formal complaint. On XX/XX/XXXX, I went to an ATM to withdraw {$400.00} out of my account like I did days prior. I discovered that I didn't have enough money. When I checked my app I discovered that a total of {$6100.00} was transferred to XXXX XXXX to his personal account. I do not know anyone by the name of XXXX XXXX. As soon as I got home, I called to file a complaint. A dispute claim was started on XX/XX/XXXX and I was sent a new card. I was also told that I will be sent documents to fill out and that I was to return the forms within XXXX business days. I received the documents XX/XX/XXXX, I filled them out and sent them back by certified mail on XX/XX/XXXX. Documents were also sent via fax just in case somehow they got lost in transit. According to the documents, investigations could last between 60 to 90 days. On the same day XX/XX/XXXX, I got home from the post office from sending the forms and I discovered a letter from the dispute team stating that the dispute claim was denied on XX/XX/XXXX. How can a dispute claim be denied within XXXX hours when I never even got the paperwork to be filled at that time. The forms are probably still sitting at the post office and the faxed forms are probably sitting in their fax machine. I called the number on the letter and it kept hanging up on me saying that the card number was incorrect. I called the number on the back of the card and was nicely greeted by a customer service representative, XXXX, who stated that according to the notes it was denied because " the money was sent to the person it was intended to, XXXX XXXX ''. My name is XXXX XXXX XXXX. My name and XXXX XXXX are not even similar names. If that money was intended for XXXX XXXX where is the money I'm entitled to due to my XXXX leave. I just XXXX XXXX and my child and I are depending on that money. How insecure or secure is this bank? Why would they allow anyone to log into someone else 's account and steal the money? How can they determine and close a case without further investigation or even questioning who XXXX XXXX is? Was his bank contacted? There are many questions that need to be answered. I need my money back. This situation is added stress that I do not need after giving birth. This stress is being transferred to my child and I can't even focused on taking care of her. Contact me at 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 2023-01-30
Company: Affirm Holdings, Inc
State: OK
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
At least 2 disputes have been sent and received by TransUnion regarding a NCA collection account. The account has not been investigated at all according to the most recent report. The last account update ( XX/XX/2023 ) predates the investigations that TransUnion have claimed to have conducted.

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 2023-01-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. 

XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. 
XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . 
XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. 

This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. 

XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. 
XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. 
Requesting that the CFPB please investigate this. 

Please feel free to contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Not only has these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NOT GIVEN ANY OPTIONS TO OPT OUT, NOR WERE ANY OF MY OPTIONS EXPLAINED CLEARLY TO ME. These companies continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should they again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I KNOW MY LAWS AND I KNOW MY RIGHTS. I HAVE A RIGHT TO PRIVACY & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity.

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Need these unauthorized inquires on my credit report need them deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2023 XXXX bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today XXXX is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.

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 2023-01-09
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on or about XXXX XXXX2 I was contacted thru a trustworthy platform. this individual proceeded in defrauding me of a large some of money. as he represented himself of an employee of a trusted bitcoin company. ftx. to be more percise. please refer to my attached letter for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a dispute online to Equifax to update my address on my credit report. Equifax does not allow an option for individuals to update their address on their own, the only option they provide is to dispute information. I was able to log into Equifax to submit the dispute and upload a current utility bill showing my current address but was denied access ( locked out of my account ) when I tried to review the results of the dispute. I have contacted Equifax XXXX times, each time the hold time exceeds XXXX hour. I had to enter by social security number and phone number into their automated system just to be connected to a live person. Once a person comes on the line to speak to you, the language barriers interfere with the person 's ability to help me access my account. I was asked to upload a picture of my driver 's license through a link sent to my cellphone. This is an unsafe practice and makes it easy for people to commit fraud. The laws of all states also prohibit how non-government agencies obtain and use driver 's license from individuals. For this reason, I will not be providing them an electronic picture or copy of my driver 's license. Under the Fair Credit Reporting Act Equifax is required to allow me to access my credit report and information contained in their system about me. By denying me access to my own information they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
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:
Dear Equifax : Please see below and attached for documents. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXN XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a car from XXXX 5 years ago and never missed a payment until XXXX closed down my XXXX  They were supposedly working with me after my XXXX  stay of 4 months where I was XXXX and have XXXX XXXX ( XXXX ). They decide to repo my car I was not late on then make me pay a large sum of money to get it back with all my personal belongings. I was at their mercy so I paid this amount. They blocked me from logging into my account or accessing any info. Afterwards I was told that they reported it to the credit bureau as a charge off which means they no longer are trying to get the funds right? Nope because I still have the loan as always making these higher payments with now no interest?!?! It has wrecked my credit and the amount it says I owe is so far from the truth! But do I owe it since its a charge off? They told me I now have to call the day its due and if Im even a minute late they are coming to get it. But wait I thought you werent interested in the loan repayment now? Car is still registered to me I carry insurance on it and make the payments not to mention i had a payment scheduled and talked with them. So what they get to write off the amount they say I still owe which is not correct at all and I still have to pay this amount even thought you charged it off? This company sees an opportunity to pick on sick people who cant afford attorneys, wreck their credit, lie about amounts due then block you from accessing any of your loan details. Not to mention Ive had this loan for 5 years and it was never on my credit report until now. So all the years of on time even early payments was never reported. I spoke with an attorney and a Judge and gave them all supporting evidence that this is not legal and they agreed. But I can not afford an Attorney not to mention every single day of my life is a fight for survival with a medical condition I didnt deserve. Everywhere I turn I cant seem to get 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 explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: LA
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 the following accounts has violated my rights, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX Bank # 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 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 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 2022-11-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

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 2019-06-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two Derogatory marks against me from XXXX and XXXX. Stating the accounts were dismissed due to chapter XXXX. I have never filed bankruptcy.

Company response to consumer: Closed with explanation