BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being harassed when they have been legally advised to remove these collections from my XXXX credit reports I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have numerous amount of account review inquries on my trans union report that have been used without my consent, these inquries are now affecting my credit score and i feel like i should have been notified that my credit will be a factor, i feel like all these should be removed from my file since i had no idea that these will appear on my credit report. 
THINGS LIKE XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - DONT KNOW WHAT THAT EVEN IS, XXXX XXXX, ALL THESE SHOULD BE REMOVED. AS WELLL AS THE HARD INQURIES ON MY ACCOUNT THAT I HAVE NO IDEA ABOUT.

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 2023-03-11
Company: Experian Information Solutions 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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX GA ) XXXX XXXX : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Compliance Officer ; I was going through my credit report in the last week or so and noticed something on my credit report that doesn't seemed right. I noticed that there was a account opened on my name early this year ( XX/XX/2019 ) with a balance of over $ 400+ for something I never applied or used the account for. 

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract, application, the agreement used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check to my mortgage company, Specialized Loan Servicing on XX/XX/2018 for the full amount of XXXX monthly payment. I have until XX/XX/2018 to make the payment. The company did not cash my check, however did an ACH direct withdrawal from my bank account for the full amount. They have not posted that payment to my mortgage. I have been in contact with them since mid XXXX and sent them the information multiple times. They are reporting late payments each month because when I mail my current payment, they are applying it to the month outstanding. I can't get a copy of the cancelled check because they did not cash it. My bank has told me to send them my statement showing the ACH Payment coming out of my account. I have done that multiple times in the ways they have told me to send it in. Still, the payment does not reflect as being applied to my mortgage. They have listed me as late on multiple occasions, because they put my payment into a " holding '' account and then remove it and reapply it. I have called and written them, and can't seem to get anywhere. I filed a written complaint to the Dept of Savings & Mortgage Lending link on their website and they tell me they are not the correct people to contact and gave me this site to file a complaint.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These. fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade Commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items 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 2019-08-01
Company: JPMORGAN CHASE & CO.
State: LA
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 rewards from credit card

Complaint:
This complaint concerns " vanishing '' reward points on my Chase Sapphire card. I had XXXX reward points worth {$24.00}. I chose to redeem these for an Amazon gift card to be delivered to me by mail. 

Chase confirmed my order via email ( confirmation # XXXX ) and stated that my Amazon gift card should arrive by XX/XX/2019 ( copy of Chase email attached ). 

The gift card has not arrived, but my Chase Sapphire account now indicates " XXXX '' reward points. Chase has eliminated my reward points, but I have not received an Amazon gift card. 

I have logged into my Chase Sapphire account and messaged Chase about this matter, but have not received any response. 

My name and account information are as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Chase Sapphire account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Foris DAX, Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have an account with Crypto.com, which is a digital currency exchange. They offer a visa debit card which you can use to pay regular merchants with digital coins. 

In order to apply for the card you need to stake around $ 400s worth of XXXX, which is Crypto.coms in-house digital coin. Staking is analogous to a Certificate of Deposit in traditional banking. In exchange for a certain interest rate, the consumer agrees to not withdraw a given sum of a certain digital coin. I understand how that works fully. 

I wanted to apply for the card, so today, XX/XX/2022, I agreed to stake XXXX XXXX ( equivalent to {$360.00} ). Immediately after doing that, I got a screen that said that the XXXX card was not available where I live ( XXXX XXXX ). The only reason that I went through with the staking transaction was because I wanted the card, only to find out that I had tied up {$360.00} for nothing. 

Customer service could not assist me. They pointed to the terms and conditions of the staking transaction without taking into account the whole context of how and why the staking occurred. They also indicated that the full terms and conditions for the card stated that it was not available in the XXXX XXXX XXXX. 

Be that as it may, I believe the way that the visa section of their app is designed is deceptive and predatory. Why would they even let customers that are ineligible from the outset due to external circumstances apply ( i.e. locations ) and make the staking commitment for that sole purpose? They had my physical address as part of their KYC procedures and have access to my IP address. Why did their app not prevent me from doing that like many other digital currency apps do and they do for other products? 

I think that the only answer is that they seek to unduly benefit from customers staking their native/asset by any means necessary, including by pulling a bait and switch. Apart from the obvious benefits of having the staked currency ( much like the case of the traditional bank with the CoD ), staking also increases the market cap of their coin, which is a key metric when evaluating digital assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an extension loan of {$20000.00} from XXXX XXXX XXXX  and they violated my consumer right by denying me credit on the basis of my credit file, which they got from third party agency. Upstart purposely violated my consumer rights which states that it is unlawful for any Creditor to discriminate against any applicant with respect in any aspect of a credit transaction. Upstart was given and used my social security number and still I received NO benefit. Upstart was also made known of the Equal Opportunity Act and still they denied me the loan / credit, which again is a clear violation of my consumer and human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are 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 monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

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 2022-11-08
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have My Account on Hold for 5 months, I Can not receive or deposit any money on My Account. Capital one Wants to Close My Account but they don't Want to Return the XXXX and XXXX cents That was Left in My Account. I Contacted Capital one and the explanation they gave me was That I did not Qulified for the PP Loan. I Have Proof on Paper Work That I was accepted for the PP Loan and I was also forgiven for the PP Loan. I Have Co workers that was also forgiven for this Loan with a different bank. Cleary Capital one is the Only Bank given People this Problem. I am very sick with XXXX I have a Family and I am in Need of the Money I Left in My Account. Please Contact me at XXXX or at my Email XXXX for any further Question ore Proof, Thank You and Godbless. Sincerly XXXX XXXX

Company response to consumer: Closed with explanation