BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
This is XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: DISCOVER BANK
State: MI
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:
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXX  virus. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a 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 an 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 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 2023-02-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred to Right Path Loan Servicing on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX. I was in a covid forbearance status when the loan was transferred. I am successor interest on the loan. I am on the deed and was from the day of purchase. I have been making monthly payments as scheduled. I have filled out the mortgage assistance application twice. The first time it was declined because they said it expired. I started the process again in XXXX as requested. They gave me a three month trial period to start in XXXX XXXX XXXXXXXX. Today I received a phone call stating it is declined due to I am not on the mortgage. XXXX XXXX tells me I am approved for a short sale! Wow on my primary home, that along representative 's have been telling me all is in place. Not to worry. Well now per there request I was told not to make a payment until XX/XX/XXXX. So not payment has been made XXXX and XXXX putting the loan further behind. XXXX XXXX advised me to reapply!?!?! Reapply on something that will not be approved because I am not on the mortgage?????? That would be wasting time with no results. I need an answer and direction on how to get the situation resolved on my primary home. They are XXXX XXXX with people 's homes with no hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-02-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX OF XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My report 's list of inquiries and information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquirIies listed below. 
XXXX XXXX IS VACANT Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/2023 I received notification from AmEx National Bank that an unknown individual fraudulently tried to withdraw {$13000.00} from my Rewards Checking account. The fraudulent transaction was initiated via ACH and seems to have originated from XXXX XXXX. The transaction failed as I did not have sufficient funds in my account at the time. 

I immediately called AmEx National Bank to inform them this was a fraudulent transaction. The representative told me there was nothing I could do about it until the following morning since the team that handles fraud only worked on weekends at noon. This in itself is extremely concerning and shows AmEx supports fraud, their security measures are an joke and their staff exceptionally incompetent. 

The next morning I called and their so-called fraud team told me that the e-mail was sent in error and my account was secure. I believe the staff member is a liar only trying to wither cover up his incompetence or somehow complicit in the fraud. For the past several days I have had severe security issues with my American Express credit cards and on my American Express credit card there were XXXX attempts to fraudulently charge exactly {$13000.00}. I would be an extreme coincidence that an attempt for exactly the same amount on my checking account was just a bank error. 

Nonetheless, the fraud team refused my request to change my account number and issue a new debit card. They then connected me with their normal customer service staff. 

I again explained the issue with the customer service staff and hey agreed something needed to be done. They got the fraud team on the line again. The fraud team representative told me that if he closed my account it would be very likely the system would not allow opening a new account. He also told me that if the normal customer service staff closed my account, I would have to wait a few days before I could open a new one and even then there is a distinct possibility I would not be allowed to open a new account. This is exceptionally unacceptable. I believe the fraud team member is extremely incompetent and possibly even complicit in the attempted fraud. Further, it seems American Express themselves for offering to the public such an incompetent and fraud-prone account product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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: In progress
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a amazon credit card in XXXX and paid above the balance in full or above the required minimum and was never late with my payments. I received a letter on Saturday XX/XX/XXXX at XXXX XXXX stating that due to credit reports they are lowering my available credit by {$270.00}. This seemed odd to me and I reached out to the company for a further explanation, after dealing with incredibly rude smug customer service representatives they were unable or unwilling to provide any answers that I had and suggested that I review the agreement. So I did and I was able to figure out that they were able to justify a rate increase due to their own lowering of my available credit because of a credit reporting agency that i have never heard of and is reporting a significantly lower credit score than the other credit reporting agencies. I have had a decrease in credit usage and my income has increased in the past 6 months so it's extremely confusing how they can justify the decrease in credit, other than unchecked corporate greed of course.This seems extremely unethical at the very least and possibly illegal. This is extremely frustrating during the holidays and seems heartless.

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 2023-12-06
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood bank restricted my account with my funds inside and they told me they will uplift the restrictions after 10days its over 10days now they never uplift the restrictions on my account and I need the money inside my Robinhood account for something important. They didnt allow me to transfer my money to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions 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:
I was trying to buy a house and I realize I have damages on my credit report according to the 15 U.S.C 1681 laws there should not be any damages on my credit report it is a defamation to my character

Company response to consumer: In progress
Consumer complaint received 2023-11-03
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Key bank closed my business checking account for unauthorized use and transactions from my personal accounts and business and written numerous letters x emails about the transaction dispute and requesting total refund balance and account open due protected laws of the consumer

Company response to consumer: Closed with explanation