BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/3023 I've rwcieved an email regarding a change to my XXXX consumer report. Upon checking I noticed that the company by the name of XXXX XXXX XXXX had unlawfully place a collection account on to my report. Per law I'm requesting that this company provides me with notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
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:
I reviewed my credit reports at the beginning of XX/XX/2023. There were several credit inquiries that I do not recognize nor did I authorize for my credit to be pulled. I submitted disputes to all 3 credit bureaus and as a result I have a 1 year fraud alert on my profiles. XXXX was able to assist me in removing these fraudulent inquiries. However, XXXX and XXXX require me to submit this report online and to file a police report as well. 
The inquiries that are showing that are not mine are : 1 ) XXXX XXXX XXXX XXXX and was requested on XXXX - No knowledge of this inquiry 2 ) XXXX XXXX XXXX and was requested on XXXX, XXXX, XXXX - Credit pulled without my consent 3 ) XXXX was requested on XXXX - I do not recognize this whatsoever 4 ) American Express was requested on XXXX - I had no knowledge of this inquiry 5 ) XXXX XXXX was requested on XXXX - I had no knowledge of this inquiry I have contacted the companies in question during the month of XX/XX/2023. None were helpful at trying to resolve my issue. They would take my information down and then I would be hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: SinglePoint GI
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE SCHOOL XXXX  XXXX UNIVERSITY IS TRYING TO DESTROY MY PERSONAL CREDIT AFTER I WAS A TOP A STUDENT THERE. I HAD TO WITHDRAW DUE TO PERSONAL REASONS, AND I ASKED THE DISENROLLMENT COUNSELORS IF THERE WAS GOING TO BE ANYTHING ANY FINANCIAL IMPACT. I WAS TOLD NO AND THAT MY STUDENT LOANS HAD ALREADY BEEN PAID AND COVERED MY TUITION AND EXPENSES. I ACTUALLY CURRENTLY PAY ON THOSE STUDENT LOANS NOW. I RECEIVED A BILL FROM THE SCHOOL FOR ANOTHER {$10000.00} OUTSIDE OF MY STUDENT LOANS. THIS IS FRAUDULENT PRACTICES. HOW CAN THEY COLLECT FROM THE GOVERNMENT TO COVER MY COSTS, THEN ALSO BILL FOR A PORTION ON THE BACKEND WHICH WILL IMPACT MY PERSONAL CREDIT MORE THAN THE STUDENT LOANS. THIS IS UNFAIR BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
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:
this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccurately reporting on my credit report, I have filed disputes with XXXX, Transunion and XXXX and they failed to resolve the matter, ACCORDING to15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures.

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 2023-02-15
Company: EQUIFAX, INC.
State: CA
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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance - ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX XXXX  XXXXBalance XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXXdismissed Filed XXXX  XXXX, XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Date Filed XXXX XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX 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 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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX, SC XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, our scheduled mortgage payment was autopayed to the mortgage servicer, Mr. Cooper for the amount of {$2000.00}. Our usual payment is {$1500.00}. This payment was {$540.00} more than our usual payment. A review of our statement showed that the escrow payment portion of our payment doubled. First, the amount of escrow paid was not correct. Second, we were not notified that this would be changed. I called Mr Cooper customer service to discuss these issues. I was on hold for 30 minutes, then was given the option to leave my number and they would return my call. I received no call back. 

On XX/XX/2022, I called Mr Cooper customer service again, was on hold for 15 minutes, and again left my number to be called back. Again, I received no return call. 

On XX/XX/2022, I contacted Mr. Cooper customer service through their online message system. Three days later, I am still waiting to hear back from them. 

Mr. Cooper has taken no action towards contacting us, let alone trying to remedy the issue of their fraudulent withdrawal of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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.

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 2023-08-24
Company: Block, Inc.
State: PA
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:
A few days ago I noticed that when my phone was stolen, someone sent money from my cash app to someone I don't even know. I filed a dispute with customer service directly on the phone and was told that I would be getting my money back for all the transactions within XXXX business days. Not even 2 hours later I received an email stating that my claim was denied! I told the customer service rep that I made a police report for proof of the unauthorized charges as well and yet these people seriously just don't even care! I requested the information they used to come up with the denial and I was ignored. I've sent more emails to this company about getting my money back and yet they continue to ignore me. Cash app is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
my Capital One credit card had fraud transactions to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 the Bank of America closed my checking and saving account. After that on XX/XX/2020 the bank was reopened my account. But they have not sent me my funds back even though I called them many time but they did not give me the answer corrected. They just said wait, wait..

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 monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX Account XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-08-24
Company: JPMORGAN CHASE & CO.
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:
A credit card was attempted to be open on XXXX  with J.P. Morgan chase. I did not open this ac t.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

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 2019-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a 2016 XXXX XXXX XXXX ( XXXX : XXXX, Account # XXXX ) from XXXX XXXX XXXX XXXX starting XXXX XXXX, XXXX and maturing XXXX XXXX. I opted to extend the lease. I am ready to turn in the vehicle but I was informed by the leasing company that I can not get the prorated monthly amount back, even if i have returned the car. In other words, to avoid paying the financing company money for days in which I don't have the car, I'd have to return the vehicle on the exact date of the XXXX each month. I ought not have to pay for days in which I no longer posses the vehicle. This is a common sense request, and one that ought to be extended to every consumer of an auto lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I checked my credit report and saw a card I was not aware of on my report. I called and Dillards said that someone had opened an account with my social security number. They are closing the card. I am submitting this complaint because it was not clear if the card would be taken off my record and I want to make sure that happens.

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 2020-04-14
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.

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 2022-05-13
Company: EQUIFAX, INC.
State: LA
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there. I am a victim of Identity theft. I've attached a copy of my ID, an identity theft report from Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: SC
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXX OF XXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A 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 explanation
Consumer complaint received 2020-04-14
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we have sent payments every single month and company SLS can not figure how to process them. Now they sent one payment back and changing payment history by 30 day late for 3 months after giving us a refund of 1 payment they took 90+ days ago and bank records confirm it sent on time. Now posting monthly payments as late because of their own accounting probelms ...

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 2021-08-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21 I again contacted to resolve issues concerning my checking account debit transactions and my Account balance.I noticed that on XX/XX/21 my account statement indicated a balance of {$1000.00} on XX/XX/21 my account balance was down to $ XXXX.I do not believe that my account balance should drop to that degree in that span of time.I had made two disputes on debit card transactions. One with the online provider XXXX and another against XXXX XXXXXXXX XXXX XXXX with the intention of restoring my account in the face of businesses with bad intentions unjustly enriching themselves at my expense.I was expecting TD Bank to help me, not diminish my Account balance further.When I last spoke with a representative at TD bank they did not seem intent on accommodating me on maintaining my balance under the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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: Billing dispute for services

Complaint:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

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