BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: AFNI 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: Investigation took more than 30 days

Complaint:
XX/XX/22 XXXX XXXX, AFNI and XXXX XXXX. 

RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Venmo account a friend sent me money I tried to link my XXXX accounts to the Venmo account and it will not work I sent numerous emails to get my money and no one can help me I was told the system is " Automated '' and there is no way to help me except to send the money back to the person that sent it. 
I am not on talking terms anymore with the sender and they will keep my money if I send it back. 
I asked for a check to be sent in the mail. They refused. 
They said I could send the money to my debit card. I tried and the system would no link it,. 
I spoke to a supervisor and they said there is not way for me to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Genesis FS Card Services, Inc.
State: MI
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:
Privacy Act of XXXX ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of XXXX Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This is my complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was XXXX XXXX XXXX and XXXX from late XXXX to XX/XX/XXXX. During this time one of my AMEX accounts that was not on autopay fell behind. When Amex called after being a few days late I explained what was happening. They did not give me an option to enroll in any relief. As my condition worsened they continued to call 10 times daily and my wife answered and also tried to explain but since i was not able to speak to verify due to XXXX XXXX XXXX. My wife also emailed them and attempted to complete online. In XXXX after my health improved after recovering from XXXX i contacted AMEX. They did remove some late fees but refused to remove negative impact on my credit report and also lowered my credit line both of which caused my score to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email alert today XX/XX/XXXXfrom XXXX. After checking what the alert was in reference to I noticed it was for my account being flagged for collections in the amount of {$1200.00} from a collection agency named Enhanced Recovery Co L. I immediately called XXXX to report this debt collection, because it is not me or my debt. The woman I spoke with told me this debt collector is trying to recover a debt for XXXX XXXX XXXX. Ive NEVER had XXXX XXXX XXXX. this is 100 % not my debt. At the instruction of the person I spoke with at XXXX 's fraud dept, I contacted Enhanced Recovery Co L to report to them this is not me or my debt. They then told me the name they had on file was my maiden name from XXXX years ago, and gave me the phone number and email address they had on file, along with a name ( not mine ). They gave me instructions for reporting this debt collection as fraudulent. 
The information they gave me was as follows : the debt collector : Enhanced Recovery Co The company of the original debt : XXXX XXXX XXXX The date the account was opened/closed XXXX The amount of the debt : {$1200.00} They also provided a phone number and email address they had on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from TransUnion and XXXX but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
on XXXX I contacted Transunion to try to explain XXXX XXXX XXXX and XXXX XXXX XXXX card statement printed on XX/XX/2019. 

my credit limits were increased to XXXX from XXXX XXXX  XXXX and XXXX from XXXX XXXX   XXXX on XX/XX/2019. 

previously they were XXXX at XXXX XXXX and XXXX at XXXX XXXX I contacted both XXXX and XXXX customer service on XXXX both state transunion should have both statments. for your reference I attached both statements for the two accounts in question and Tranunion should update my credit reports, Transunion is refusing to update both accounts I find this inexcusable that Transunion is not doing there due diligence to resolve this

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 2023-05-24
Company: EQUIFAX, INC.
State: NV
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Capital One to pay my debt and was told they sold it to : XXXX XXXX XXXX attorney in California. I did some research and found out that they filed a lawsuit and submitted for a judgement without my knowledge or serving me. I attempted to contact this company 11 times over the course of the month and they dont return my calls, and the two times the secretary answered I said I want to pay my account she said shed transfer me to complete and hung up. They are falsifying information and not accepting payments to increase fees fraudulently. I made several high-level folks at capital one aware so they have full knowledge with the following email to which I have yet to receive a response : ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of Capital One corporation. The email below : I was a credit card holder for almost 10 years and still have a capital one Bank account. short backstory during the economic downturn a few years ago I unfortunately could not pay and my credit card charged off. I am however getting things back together and called Capital One to make payment to cure my debt however it was sold to a company called : XXXX XXXX XXXX attorney. I've made multiple attempts to speak with them with no success. I included their yelp review because a company like this is bringing down your brand as a company to do business with. I was told this company does not respond ; they wait it out to collect additional fees and practice very unethical behavior when consumers are attempting to make good. I am asking you for help. Please recall this account from them and let me pay it directly. Also review their XXXX reviews attached and see how their unethical practices are tarnishing Capital One 's reputation especially with minorities as it may be better to look at a company that actually returns phone calls. 
I have also included my account number and phone number for response. Thanks in advance https : //XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MORGAN STANLEY & CO. LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
E*Trade Banking decided to lock my checking account, believed to be XX/XX/2023, when it was believed someone else was trying to access my account from a different state which I do not live nor traveled to. I was not informed my account was locked. 
I contacted E*Trade Bank via telephone on XXXX. I was assisted in changing the Password and establishing a secondary PIN number. Password and Pin do not work. 
I contacted, via telephone today XXXX. I asked for a supervisor and after several minutes on hold was told a supervisor would contact me within XXXX minutes. That was XXXX pm edt, its now XXXX edt. I has not received a return phone call. I can not pay rent, buy food, etc. my Social Security is directly deposited to this account. I have absolutely no access of any kind. Several Life insurance policies were canceled, I can not pay my storage shed fee, auto insurance not canceled yet. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a notice from Citizens Bank on XXXX, stating I have an overdrawn account. The notice is dated for XXXX. I went to the closest Citizens branch and they printed out all the bank statements, since the account was opened on XXXX. I contacted the Citizens customer Support and they are investigating and I was I instructed to file with you for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I understand that according to Homeowners Protection Act that Lender should automatically remove PMI when loan drops below 78 %. I have been trying to cancel this PMI but the lender wants me to sign an authorization to do a new appraisal of the house which is going to cost me from {$600.00} to {$900.00}. I don't know if this is legal if they are supposed to terminate the PMI automatically. 
Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Duvera Billing Services, LLC
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: Account status incorrect

Complaint:
Account was paid in full, and creditor agreed to deletion of account but creditor has not reported to reflect that.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I filed a claim with charges being made to my account that I was made aware of recently. I called Truist Bank and I wanted all charges from XXXX of 2021 to forward to be refunded. Truist Bank stated they will not refund the charges due to 60 days has lapsed

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 2018-05-05
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo charged a late fee on my credit card on the date the payment was due. I saw the additional {$25.00} on my balance and there was no activity whatsoever. Not one person I spoke with could tell me what the {$25.00} additional balance due was. I closed my account due to the extreme hassle of having to do business with Wells Fargo. I found out a week later that the charge was actually a late fee, posted on XX/XX/2018. My minimum payment was due on XX/XX/2018. I was online to make the payment when I saw the additional balance ( I had not used the card in over a month ) and tried to find out what it was. See attached copy of my XX/XX/XXXX statement which shows my payment due on the XXXX of each month and the late fee posted on XX/XX/2018.

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 2023-05-10
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief