BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I C System has been calling to collect the debt from XXXX XXXX  of central XXXX. Not only have I paid off the security system before I sold the home 5+ years ago. They wont stop calling me very early in the morning I have been working in XXXX on and off for the past few years and I am getting collections calls as early as XXXX local time. They are very unprofessional and verbally abusive when it comes to a matter that they dont have all the facts about. In addition to that there was an unjust derogatory mark submitted. For {$1000.00}. After I paid everything that was agreed in the initial contract from 2012

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 2022-10-27
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: 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 Experian and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : 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 2019-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. 

I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX  EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. 

On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. 

To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I would like to add to my open complaint XXXX Evidence - that XXXX XXXX  ( you can not call this a banker ) admitted that he sees my account - that the " staff '' at Capital One uses voice changers ( you need a software to hear the real voices ) Here 's an example : XXXX XXXX XXXX I have more calls to share. A live-stream where I also called XXXX XXXX  and the FDIC. Let me know if you want to hear it. A Capital One XXXX admits on the record that they see my account. 

You can clearly hear that they are aware of the theft. 

Over XXXX Million USD are on my XXXX account, mostly from an inheritance from the XXXX family. That's the maiden name of my mother. 

More details on the coordinated murder attempt by this group of mass murderers who calls themselves " XXXX '' here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Resurgent Capital Services L.P.
State: TX
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: Problem with personal statement of dispute

Complaint:
On XX/XX/23 LVNV FUNDING LLC wrote back to me by sending a final bill/previous billing statements, NEVER provided any electronic signatures, nor have they provided the original purchase agreement. This debt in fact is ingalid and needs to be immediately removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed in error, and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policy. I have always complied with the terms and conditions set forth by PayPal, and I have used my account responsibly. Therefore, I was surprised and deeply concerned when I received the notification of my account 's permanent limitation. 

I strongly believe that this decision was made based on a mistake or misunderstanding. I have not engaged in any suspicious or fraudulent activities, nor have I violated any PayPal policies. I have always been transparent and honest in my transactions and have always followed PayPal 's rules. 

I kindly request that you take another look at my account and re-evaluate the evidence you used to reach the decision to limit my account. I hope that upon review, you will find that my account does not warrant a permanent limitation, and I can continue to use my PayPal account as before. 

I understand that the safety and security of PayPal 's platform is of utmost importance, and I appreciate your efforts to prevent fraudulent activities. However, I firmly believe that in my case, there has been a misunderstanding, and I am eager to cooperate with you to resolve this issue. 

Thank you for taking the time to consider my appeal. I am confident that a fair and thorough review will lead to a positive outcome, and I can continue to use PayPal services as before. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
I have NEVER had a paid EXPERIAN Membership, it has always been free. I do not sign up for XXXX, because I know what I do and don't do. I am a single woman living alone, I do not have credit cards I do not have major debt my cars have been paid off. 

I have always monitored my Experiab account, through the app for years ; under a paid membership ; I literally just look at my score. As reporting disputes directly through EXPERIAN, gets you nowhere. 

Afrer my several reports through CFPB, I log into my EXPERIAN app today to see them trying to charge my card for an upgraded membership I didn't sign up for agree to or was given any priori notification of. Since when was EXPERIAN, allowed to upgrade my account for me without my knowledge and then try to charge my debit card for an amount I have no knowledge of and didn't agree to? 

It's giving not wanting to do your job, targeted harassment, XXXX, and ways to keep me from monitoring my credit report. It's giving class action lawsuit... I have documented this, I expect a response by end of business this week.

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 2022-01-17
Company: Capital Accounts, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see attached documents as it contains my full complaint and request.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2023-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Block, Inc.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was informed by a friend of mine that not all accounts on cashapp are charged a fee to receive money. The only time you are charged a fee to receive money is if your account is a business account. I immediately contacted cashapp support in the app. I explained that i am not a business, and I never became a business, but I am being charged like I am. My account has always been strictly for personal payments between family and friends. Cashapp support replied to my concern with what the fee % is for business accounts. I had explained again my problem, they then said I would need to confirm the switch from business to personal. Which I did.. I asked when my account became a business account, they told me XX/XX/2020. I calculated the total fees I have been charged to receive money since then {$780.00}. I asked what I was suppose to do about that much money I was charged when I never switched my account and they told me they would courtesy refund me XXXX $ because they can't go back farther then 7 days. I don't see how that's possible when I never switched my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Debt Recovery Solutions, LLC
State: WY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have a {$810.00} loan showing on my credit report from XXXX XXXX the loan amount was for {$500.00} paid from XXXX XXXX years ago. In XXXX of 2023 I paid {$680.00} to XXXX XXXX XXXX in regards XXXX XXXX I have the receipt and XXXX XXXX  says that XXXX XXXX was paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates 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 : 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Small Business

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 2023-05-10
Company: EQUIFAX, INC.
State: GA
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 Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates 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 : 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 2022-04-22
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report on XX/XX/2020 as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America {$2500.00} Check verification through turn stop in a XXXX XXXX bank of America branch Check drawn off a XXXX XXXX XXXX XXXX fraudulent routing numbers not known on account before checking validilty of account.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
Remove account XXXX XXXX XXXXXXXX ACCT # XXXX because of reinsertion. This account was previously removed and the credit reporting agency put it back with updated information which is still inaccurate. Account was merely updated, and was updated inaccurately once more. Remove this account permanently for blatant inaccuracy and misuse

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