BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: Cooling & Winter LLC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by Cooling & Winter LLC and/or XXXX  XXXX XXXX. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting XXXX XXXX XXXX asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make Cooling & Winter LLC and/or XXXX XXXX XXXX. 

pay {$3.00} XXXX to the Civil Penalty Fund.

Again, I do not reside in the jurisdiction of Henry County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by XXXX XXXX XXXX ( the creditor ) and then the written-off / worthless debt was sold to Cooling & Winter LLC ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to XXXX XXXX XXXX and Cooling & Winter LLC get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. XXXX XXXX  XXXX and/or Cooling & Winter LLC are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards 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 explanation
Consumer complaint received 2022-12-29
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: Account status incorrect

Complaint:
Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( 3 ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, XXXX XXXX Transunion reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports. 

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and Metro2 Compliance anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and XXXX with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.

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 2023-01-17
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On numerous occasions XXXX XXXX emailed me regarding medical debt that they claim that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: DC
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:
Privacy and Confidentiality under 15 USC 1681 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 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 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 explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-11-13
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an account with US Bank based on marketing solicitation promising a {$400.00} account opening bonus. Because I was an authorized credit card holder, the US Bank online system would not allow me to register for online access and setting up direct deposit as the marketing offer required. I spent several hours over many weeks attempting to fix this with US Bank online support personnel. Only after I tried registering online access for a credit card I received as an authorized user, did I gain access to my new checking account online.

I asked for consideration since the offer required a certain dollar deposit within 90 days of opening. Instead, US Bank claimed that the marketing solicitation was only good for addressed targets. Since the email was sent to my spouse, they would not recognize the offer and after all that work, refused to pay the {$400.00} promised. 

I visited the XXXX, WA branch and asked for the account to be closed. Today, I received a letter from US Bank dated XX/XX/2022, that I owe them XXXX. That they closed my account for an overdraft amount and are demanding payment. Further they state they will report this to credit reporting agencies to prevent me from opening other accounts and make my borrowing more costly. 

I called customer service this afternoon at about XXXX XXXX  I spoke with XXXX. She said that the XXXX XXXX did not close the account. XXXX said that the account was closed for a {$0.00} overdraft and the overdraft fee is {$30.00}. I never received prior notice of a {$0.00} balance owing on this account. I did not use the account for any regular banking business because of the technology issues. That they did not alert me about the balance owing and arbitrarily charged me a {$30.00} fee without any notice is unacceptable. In my view, US Bank reneged on its promise of a {$400.00} payment.

I ask that US Bank rescind this improper charge of {$30.00} and pay me the {$400.00} it owes me.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
my information was sold and bought illegally because i am a victim of the XXXX data breach.

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 2023-01-17
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was notified of a debt with XXXX XXXX went to my local store was told I could only pay it at a corporate store went to the corporate store to pay the debt. I was notified that it was turned over to a collection agency made arrangements with the collection agency, I was paying and XXXX still Notified all three credit reporting agencies that I have a delinquent account this debt is now paid and I still have negative collection accounts on 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
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: AZ
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:
Equifax has reported XXXX XXXX XXXX delinquency on XX/XX/2023. I have asked XXXX XXXX and Equifax to provide the proof of late payment or delinquency. They both failed to provide any proof or evidence so far. I will urge CFPB to ask EQUIFAX to remove this negative item of my credit report asap. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cashapp was supposed to refund me {$950.00} I have reached out to them XXXX times and they keep giving me the run around. My transaction right now says it was supposed to be refunded last Wednesday and its still not refunded. No theyre not answering anymore and when they do answer they wont put me otp with any supervisor idk what else to do. My number is ( XXXX ) XXXX. My email is XXXX & My name is XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account was paid and charged off in XXXX of 2018. For some reason XXXX continues to report CO 's on my credit reports. Pursuant to 15 USC 1681E, compliance procedures state that ( b ) accuracy of the information concerning the individual about whom the report relates, shall follow reasonable procedures to assure accuracy at the very minimum. Acima violated this law 18 additional times EVEN AFTER THE ACCOUNT WAS PAID. Since the balance was over {$600.00} and has been charged off as income, and the violations are still posted on my credit reports, I have asked them to remove from my credit reports and I want the remedy due me per the law. Because of Acima 's noncompliance, I have suffered and continue to suffer damages due to their negligence. I am constantly being denied housing and in turn my family and I are now homeless. Pursuant to 15 USC 1681N states that because of Acima 's negligence I am due punitive damages. I've requested a check in previous writings to them but Acima is acting above the laws. How will the CFPB punish Acima. Please advise ASAP.

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXXXXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My name changed - I reached out to Capital One to have this updated via phone. The other credit card companies updated the information w/o any issue. For the last several months Capital One has been giving me the run around. I sent in a copy of the new social security card. They updated the last name but refused to change the first then froze my account citing possible fraud. 

Each time I called a rep requested I upload a photo of my ID in real time. However each time although it shows uploaded successfully on my side- the reps never seemed to receive it. This has happened at least a half dozen times if not more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I bought an XXXX in XXXX from XXXX order and got the standard XXXX XXXX loan from citizens one bank. I had to return my XXXX. And I can not get the loan company to stop taking money out of my account. Payment Amounts are for {$41.00}. I have paid for XXXX and XXXX, both on the XXXX, with no refund and another is scheduled XX/XX/XXXX. I have tried to contact them and XXXX and I get the run around from both of them telling me to contact the other company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Friday, XX/XX/2022, I directly purchased a {$100.00} Google Play gift card via XXXX for in game/ app purchases in a number of XXXX XXXX I immediately redeemed the code upon e-mail delivery. XXXX sells gift cards through XXXX  Gift cards. Upon e-mail delivery, XXXX provides a link to XXXX XXXX to actually generate the gift card code. 

On Saturday, XX/XX/2022, I tried to make purchases in the game XXXX XXXX XXXX, only to receive an error message that I needed to fill out a form that requested that I provide details for a physical gift card in order to continue with the purchase. I provided as many details as I could since I had used a digital gift card that did not have a front and back of a physical card. 

The first Google customer service representative was very combative over the live chat and told me to review to terms of cooperation for violations. I was confused both since terms of cooperation are between companies and that the link that I was provided was for the Terms of Service. To my knowledge, upon review of the ToS, I am in full compliance of the Tos. If anything, Google may be in violation of the ToS for failing to provide access to funds that I purchased and added to my Google Pay Balance. 

Over the past almost three weeks, I have sent e-mails, used live chat, and called almost every day for updates and a fix/ actual resolution to this problem. I have repeatedly been told that the issue has been resolved and to wait 48 hours. Wait 48 hours for what!? If the problem is fixed, then I should be able to use my loaded {$100.00} balance immediately. 

Doing a websearch has indicated that other users are experiencing similar gift card woes. 

At first, and most of the time, customer service reps told me that there was a random security check on my account that was resolved. Then I was told that there was an issue with verifying and redeeming, and unlocking my already loaded balance. Now I have just been told that, tough luck, the case is closed, " sorry for all the inconvenience. '' I don't want a fake apology. I want my money. If you can't transfer my balance into store credit or more Play points, then issue a full refund. Of course, there is a no refund policy. But I can't use my {$100.00} gift card balance because it is locked by the same error message asking me to fill out a form for physical gift cards. I can still use workarounds like my debit card and accumulated Play points for purchases. 

I have been repeatedly told that I am a valued Platinum Points user, only to repeatedly hear that I need to wait 48 hours for a fix that still hasn't come. 

Google reps have also been trying to quietly close my XXXX XXXX XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-01-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To whom it may concern, Please note that I have made multiple attempts to work with XXXX in removing the erroneous reporting of a Dismissed XXXX  from my credit report. Based on the reported information from XXXX, they stated a XXXX party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to XXXX party companies like XXXX XXXX or any other for that matter that XXXX stated provided the information.

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 2020-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX account was hacked. My password was exposed. My linked bank account is verified through XXXX for login. I was charged two times for atm withdrawals I did not make. Capital one 360 closed my dispute case without even waiting for my sheriff detective to investigate! Ive been defrauded and stolen from. 

Capital one does not care nor handle serious bank fraud with importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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