BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
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:
I am a Natural person I am a human being. I have the right Under 15 USC 1681 EQUIFAX and other consumer reporting agencies are govern. 15 USC 1681 and they Violated my right Numerous of time. I demand that the accounts listed to be remove. 

According to the15 USC 1681 I have the right to privacy, and I didn't give Equifax the written permission to illegally park these alleged collection 's account 's on my consumer report. 

ACCOUNT XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my general mode of living ability to obtain credit for personal and house purposes. 

This inaccurate information have damaged my livelihood. 


15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 phone service was cut off and I had to get a new number. Capital one and many other cards arent allowing you to change your phone via email confirmation. It appears they and all gov't agencies are refusing to allow VPN 's which violate users privacy. They locked me out of my account. When I called customer service, XXXX ( from XXXX country ) said they could not change it despite my verifying my social security number. After giving them the new number, they said they would check to see if they could send me a code. She then claimed she couldnt and that I would need to take a photo of my drivers license. This is completely illegal. So the website says you can verify another way, however this is a lie. It only routes you around in a circle and does not allow you to change your number. 

In addition, these companies arent allowing a mail statement. Lastly, I want to cancel this card because they have allowed businesses to illegally use my card for recurring transactions that I have attempted to cancel, EVEN AFTER I WAS FORCED INTO CHANGED MY CARD NUMBER!!! XXXX XXXX  would not allow me to cancel a recurring monthly phone charge because they claimed they could not verify my identity, despite my ANSWERING THE PHONE I HAD SERVICE WITH!! They said I had to give them 5 phone numbers that I had recently called which I did BUT BECAUSE THEY WERE XXXX NUMBERS THEY SAID THIS WAS UNACCEPTABLE? I AM SICK OF THESE COMPANIES WITH CALL CENTERS IN XXXX, XXXX, ETC. VIOLATING BASIC CONSUMER RIGHTS. They would not allow me to change my number or email address either despite the email company XXXX, located in XXXX and evidently above the law, cut off my service because again, I attempted to stop a recurring payment and downgrade to the free plan. They then held my account hostage and would not allow me to use it telling me I had to give them a credit card number. Lastly, my Lifeline phone was cut off by XXXX without notification because I was told by my Wifi provider that I could still use my free Lifeline phone and get a discount with them ( XXXX County, VA aka XXXX XXXX ) for internet. THIS WAS A LIE and at the end of the month, my phone cutoff without my notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A friend of mine sent me {$450.00} through cash app owned by square Inc . This deposit from a friend 's cash app account to mine occurred on XX/XX/2020 When I tried to transfer the money out and into my bank account the same day I had issues and noticed that cash app locked my account due to what they thought was fraudulent activity. I emailed cash app continuously, for days after this, and followed all of their directions which involved uploading a picture of my ID front and back to them along with a picture of my face holding my ID. I tried to get a hold of them on the phone but they do not have anybody that can answer or talk to you. 

Sometime around XX/XX/2020 I logged in to find my account was deleted and wiped out and no trace of my old account along with no money. Luckily my friend still have the email that said who she sent money to along with my username. Cash app then said I needed to merge my account and I need to send them all the information I could to merge my old account which isn't showing up at all and my new account that I had to create just to get into cash app. 

I would think when you are handling someone's money, good customer service and professionalism is expected. 

All I got back from cash app were generated email responses which were all very generic and definitely not from a real person. I contacted the XXXX XXXX XXXX and filed a complaint. I documented everything I needed to on cash app and sent it to the XXXX XXXX XXXX Not even a day later I got a message in the XXXX XXXX XXXX With an attached response from cash app and it appeared yet again to be another generated response. The response was somewhere along the lines of telling me to do the same thing I've already done many times before this which is to verify who I am and send them a list of details about my old account that mysteriously vanished. I did what was asked once more but did not accept their response and wrote in the response to XXXX  why I don't accept that response. It has been almost two months and still they refuse to talk to me on the phone they wont refund my money or explain what account my money was transfered to. I don't know if the XXXX XXXX XXXX is doing anything about it but it's been about two weeks since I've heard from them. I can also not get ahold of anyone on the phone at the XXXX XXXX XXXX I was told to call the XXXX XXXX XXXX XXXX XXXX but nobody answers or returns any of my calls and I have left voice mails. I do have a record and screenshots with proof that the money was transferred to my cash app. I just want to know where the money was transferred to and why my account is deleted and I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BlueChip Financial
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I, the consumer and natural person, was denied credit by Spot Loans whence I applied for an personal Loan. 
Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Spot loans Services due to the responses I received.

Spot loans is in violation of 15 USC 1642, USC 1681m, and 12 CFR 1002 because I, the consumer, put in applications in good faith, but credit was not issued to me. 
Furthermore, because my social security number [ credit card ] was used numerous times, and I received NO BENEFITS. This is proof of fraudulent activity ( Unauthorized use of a credit card ) on behalf of Spot loans. 
If Spot loans fails to make any reasonable procedures to resolve this matter, and compensate me for the use of my credit card, I will indeed make Spot loans criminally and civilly liable for all actual damages pursuant to 15 USC 1682n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( {$10000.00} per violation. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Nelnet have not remove the late payment that was not correct on my credit report from when I put my student loan in repayment. They gave me 5 late payment for the amount owe on my student loan. Im trying to remove those from my credit file and also negotiate my debt to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited check from the Federal government on the 5th and they put it in my account and then take it out of my account and put it on a hold for 5 days. I contacted them because I have a gas leak in my house and I need that money to fix my gas leak in my house and to pay for my car before it gets repoed and still they have not released the funds they have approved it so I don't know why they can't release it if it's already been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was closed by Bank of America without explanation and now they have reported me for fraud. Im an XXXX XXXX and received payment from a company I was working with doing promotions. I asked to have the check verified and was not given any information besides them closing my account. I recently applied for a business line of credit with a different institution and was denied because of Bank of America reporting I committed fraud. I had no idea they would be so cruel. I never completed my transaction and my account was closed. Now my local branch is closed and I cant get any details besides Im band for life. This has hurt my business and Im not able to get the funding I needed to keep my XXXX open. I had to close my doors.

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 2018-10-18
Company: Resource Management Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Albert Corporation
State: CA
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:
Albert bank took almost XXXX from my bank account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPECIALIZED LOAN SERVI XXXX XXXX XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2023-07-20
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I must refinance my home by XX/XX/2023 ; consequently, if the closing does not take place by this date, I will lose my home of ten years. Due to an outstanding debt, there was a lien on the title of my home. While ( successfully ) negotiating a debt settlement amount, the debt collector sent me a letter/notification stating, " Upon receipt and clearance of your payment in the above amount payable to this law firm, we will forward to you a Satisfaction of Judgment '' ( please note the fourth paragraph of the attachment ). 

My payment, which was wired to the law firm, was cleared and posted the same day. Following three days of no news I contacted the law firm and was informed, " The Satisfaction must be recorded by the clerk of courts office ''. Moreover, " That process takes 6-8 weeks minimum to complete ''. 

On the advice of my mortgage company, I have made numerous attempts to contact this law firm to obtain an original Satisfaction letter so that I may hand deliver it to the Courthouse and have them immediately record it so that I may obtain a book and page number to satisfy the mortgage company ; I have received no response. I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my card was working fine yesterday XX/XX/22 i wake up this morning i cant login XX/XX/22 and bank of america telling my account is closed with no reason at all i needed my money for bills now i dont have none and confused on too whats going on because i also got business accouny with then and my business account is fine.

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 2023-09-11
Company: Lockhart, Morris & Montgomery Inc.
State: WV
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:
I have a {$900.00} medical bill on my credit report that has been sent to collections without any notice to myself about the debt. It is out of Texas and I live in West Virginia. I'm not even sure what the medical bill is for. It's my understanding that medical collections first must contact you and are not allowed to put medical on your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I joined XXXX XXXX ( XXXX, Georgia ) XX/XX/2020. I paid them for the 1st month. XXXX XXXX the state of Georgia Gov. XXXX XXXX closed down all businesses in Georgia including fitness center. During this time XXXX XXXX was closed. They only way you could cancel your membership was to come to the gym in person. At that time I called and pleaded with them to allow me to cancel my membership. They said I had to come to the gym. I couldnt leave the house for XXXX  months. I explained that I was sick with XXXX and lived alone and didnt have anyone to bring them the cancellation notice. I tried to work with these people I talk to the manger and they were nasty. I only owed them for XXXX dollars when they turn it over to Frist Credit service collection it is XXXX. I need your help removing this from my credit report and changing XXXX XXXX cancellation policy. This was during a time when the entire country was closed. I havent gone back to any gym. I retired since this happened and it is badly impacting my quality of life. I have never had a low credit score. I need this removed from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have several inquiries from mortgage companies on my credit report with TransUnion each one on there i did not authorize today XX/XX/18 i tried contacting TransUnion to dispute this and let them know i didnt authorize these and they basically told me they couldnt help me and to contact the companies when i said i did already i was told to contact them again, they were no help and very rude talking over me etc and will not transfer me to the fraud department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This loan company called ComenityXXXX XXXX XXXX me XXXX times a day every day. I've spoken to them and this debt is not technically mine, this debt is a physician 's debt, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to refund the loan and now they are coming after me to repay the loan even though I did not receive all the services this medical load was used to pay for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
ATTN Fraud Department : Remove fraudulent accounts 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
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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.

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 2021-06-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I WOULD LIKE TO WHY TD BANK IS RESTRICTING AND THREATING TO CLOSE MY ACCOUNTS.I WOULD LIKE TO KNOW THE REASON WHY.I HAVE A RIGHT TO KNOW WHY ACCOUNT IS BEING CLOSED OR BEING THREATENED TO BE CLOSED. 

I WILL BE FILING A FEDERAL CLASS ACTION LAWSUIT BECAUSE OF THIS MATTER. 
I WILL BE FILING A LAWSUIT BECAUSE TD BANKING PRACTICES ARE UNETHICAL MANIPULTIVE AND DECIEVING. 

DUE TO THE MY ACCOUNTS BEING RESTRICTED.I WAS UNABLE TO TRAVEL TO FLORIDA AND BUY THINGS NEEDED FOR DAILY LIVING ... ..THIS IS VERY STRESSFUL AND DEPRESSING.I AM CONSIDERING THIS DISCRIMINATION.WHAT DID I DO TO GET MY ACCOUNTS RESTRICTED AND THREATHENING TO BE CLOSED. 

I WOULD LIKE AN EXPLANATION TD BANK IS NOT AMERICA 'S MOST CONVENIENT BANK. 
THEY MAKE VERY INCONVIENIENT FOR THE CUSTOMER. 
I WILL SEE THEM IN COURT, I WOULD TO BE COMPENSATED FOR THIS MISERY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I noticed I had a collection from LVNV Funding LLC. The amount was {$4900.00}. They seem to have purchased a debt from XXXX XXXX. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

LVNV Funding LLC account # XXXX po box XXXX XXXX SC XXXX ph. XXXX

Company response to consumer: Closed with explanation