BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne provided me with false information about keeping my account open. On XX/XX/2021, I was told by an account specialist ( employee number XXXX ) that all I needed to do was replace my expired credit card in order to keep my account open. I ordered a new card and they still closed the count permanently, which will negatively effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I discovered my U.S. Bank Credit Card Number and password was published on the internet on one of the XXXX XXXX  internet pages. I tried calling XXXX XXXX but because I did not have a pin I could not get assistance. On XX/XX/2021, I called U.S. Bank and discussed the issue with the representative and was told that I should close out this account totally because even if they sent me a new credit card with a new number, the charges would simply roll over to the new account and I could still be subject Identity Theft. I told the representative to close the account immediately. The representative told me I had rewards points that I would not be able to use once the account was closed. I told her I had a serious XXXX problem and the amount of the rewards points conversion was not worth the stress Identify Theft and a possibly XXXX XXXX would cause. She asked if she could just convert one more and close the account the next day. I reluctantly agreed. I discovered that a manual charge was entered on XX/XX/2021 for a XXXX  service that I did not have. I was going to switch to XXXX  because of the issue with XXXX XXXX. I called XXXX  on XX/XX/2021 but cancelled on XXXX XXXX when the service could not be connected. I was told by the XXXX  representative that the order had been cancelled and I could deliver the equipment back on XX/XX/2021 which I did. XXXX XXXX came out the next day and confirmed the XXXX  service had never been connected and their service was still intact. I am still with XXXX XXXX because it is the lesser of the two evils. I am attaching a letter I sent to the CEO and President of U.S. Bank. Refusing to close this account and subjecting me to Identity Theft is unacceptable. The credit limit on this account is {$9000.00} and I plan to pay the balance of {$810.00} by XXXX XXXX or as soon as I see the account closed because If I close it before then, I would lose visibility on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XXXX my XXXX  XXXX XXXX  was charged off on XX/XX/XXXX, I spoke to XXXX XXXX from XXXX  a Debt Collecter, and he closed the debt of {$1300.00} on XX/XX/XXXX. 
Since I have never been through this before, I figured when he closed the debt that meant I didn't have to worry about paying it. I had lost my job, and had no money coming in except Unemployment. Than back on XX/XX/XXXX I received a Civil Action Hearing Notice from XXXX XXXX, XXXX also known as Pressler, Felt & Warshaw LLP, XXXX XXXX XXXX, XXXX, NJ XXXX, their phone # XXXX. I have contacted them by phone and also with a written letter requesting information, I have never received a call back or the Verification claiming I am required to pay the full amount. 
I have Appealed the Civil Action Suit and the new date is XX/XX/XXXX, however they also decided to place a black mark on my Credit Report after they were served the Appeal paperwork. This took my credit which I have been working very hard to rebuild down to the 500 level. Please can you help me out, they have been adding charges after charges on the {$1300.00} i.e. charge for Civil Action Suit {$120.00}. Than one of the hearing dates I was not even notified of, XX/XX/XXXX. I have read the reviews on this company and all of them have stated that they are very dishonest and they are ambulance chasers. I can certainly believe that now after what they have put me through. Plus to sue me for {$1300.00} plus additional charges. 

Can you please help me, I would greatly appreicate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ENCORE CAPITAL GROUP 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:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 TransUnion dropped 43 points. I am 7 days before closing on my house. I have never been late. Reported inaccurately.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've attached proof of LexisNexis inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LexisNexis and enforce my laws under the FCRA if this information attached isn't removed from my consumer report immediately. 

Data furnishers ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Subject : Request for Access to Credit Report I hope this letter finds you well. I am writing to request your assistance in resolving an issue I am currently experiencing with accessing my credit report through your company. 
I recently attempted to access my credit report from Equifax, XXXX, and XXXX, but unfortunately, I have been unable to do so successfully. Despite several attempts over the past XXXX XXXX, I have encountered persistent difficulties, and I am concerned about the impact this may have on my ability to obtain my credit score and review the information contained in my credit report. 
I understand the importance of regularly monitoring my credit report to ensure its accuracy and to address any potential errors or discrepancies promptly. As a responsible individual, I strive to maintain a strong credit history and ensure the information reported about me is correct. However, the current situation has hindered my ability to access vital credit information that is crucial for my financial planning and decision-making. 
I kindly request that you investigate this matter and provide me with the necessary access to my credit report as soon as possible. I believe there may be an issue on the system 's end that is preventing me from accessing my credit information. If there are any specific requirements or additional steps I need to take to verify my identity or resolve any potential obstacles, please let me know, and I will gladly comply. 
In the interest of resolving this matter efficiently, I have included my relevant details below :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CT
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2021-10-14
Company: Collection Bureau of America Ltd.
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:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EZCORP, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was sold

Complaint:
I went to the XXXX XXXX XXXX in XXXX XXXX, AZ on XXXX XXXX. I was not aware that they were owned by EZ Pawn. I went in and took out loans on some 4 rings and a flute. I was told that I would have 90 day loans on these. I specifically asked to take out loans and not sell that I wanted to come back to get them. When I went back to try to extend some of the loans, the manager became very rude to me and told me that she was going to " trespass '' me out of the store and that she did not know that they were " not supposed to do business with me '' after I had filed a complaint with the CFPB on EZ Pawn. Once again, I was not aware that they were owned by the same corporation. XXXX XXXX was the area manager for XXXX XXXX and XXXX XXXX XXXX XXXX, AZ shop. I was very upset about this. What is also upsetting is the fact that she tried to tell me that the loan was only for 30 days and not 90 days. Another employee told me that this was wrong and that the loans by AZ law are for 90 days. I went back to extend the platinum ring. I had the money with me and they told it was not worth much and did not take my money at that time. I have now lost every piece of jewelry with this store and my flute. This was worth thousands of dollars. I do not think it is fair to let someone take out loans, mislead them on the terms and conditions of to the loans, obtain the property, and then accuse the person of trespassing and try to accuse them of committing a crime of trespassing when they try to pick up their items. This could be considered " theft by deception '' on the part of the pawn shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Complaint # XXXX The resolution on your behalf continues on and on, day after day, month after month, year after year, because I continue to believe it is a deceitful practice that the CFPB is monitoring. 

Please answer why you continue to avoid the XXXX XXXX Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX XXXX ). court order of unauthorized - Unauthorized activities. Yes, ALL LEGAL DOCUMENTS have been provided to your ARIZONA BRANCHES IN XXXX NUMEROUS TIME BY ME. 

Explain why I have to establish my address over and over to you at your walk in branch offices? 
Why XXXX, Oregon has STILL DOES KNOW MY ADDRESS? What is your intent? Why haven't you changed your activity. 


Please explain why you have difficulty retaining Court orders from the XXXX XXXX, which I am apart of by my obtained legal documents.

I have supplied EVERYTHING to your Arizona Wells Branches in XXXX, Arizona. Please explain why the problem is yours? Why are you still harassing a client. 

Why isn't there accountability with Wells Fargo in resolving all my complaints and wrapping up all business issues you have created for me? 

Please explain why Wells Fargo retracts legal emailed documents from XXXX, Minnesota to me? 

How does a banking customer establish faith in Wells Fargo when its obviously apparent that your banking practices have NOT changed? 

Why is Wells Fargo abusing the XXXX? I am a XXXX customer. 

I do not want to be abused by Wells Fargo. 

I WANT YOU TO STOP IMMEDIATELY!!! 

Your banking harassments of me is UNWANTED. IT IS A HATE CRIME directed by WELLS FARGO TO ME. IT IS ILLEGAL!!! 

Why do you prey on the XXXX? Please answer.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX have 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.

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 2022-12-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I was served with a lawsuit to garnish my wages after asking XXXX XXXX to combine my loans into XXXX. I was sued for XXXX loans. I hired a lawyer. We set up a payment agreement on all loans and I've never missed a payment. 
Around XXXX a different creditor pretended I had no agreement and tried to sue me again. I showed my paperwork and my payment history. 
Around XXXX this happened for a XXXX time. At all points when creditors tried to change I showed my agreement and never missing a payment. 
Finally those loans are gone. 
HOWEVER when I log into my navient account I see an account that I was never served, never once discussed and I XXXX  in XXXX. 
So surprise there is a XXXX loan that was never once mentioned in any documentation. 
When I log in and saw this I tried to continue my payments but creditors have returned payment. When i log into Navient website to pay for a mystery loan, I made XXXX payment and the payment button was XXXX. 
I don't even know what it is. I don't know why in XXXX  years this was never discussed with me ; I was never served ; I have no knowledge of the mysterious XXXX loan that is still showing up on my account. I don't even know if it's real or just some other manifestation of the loans that were paid off in full. The company doesn't explain. I want this XXXX  loan XXXX for time alone. I was never notified of its existence in XXXX  years despite how I was threatened to take to court 3 times over student loans that I had every payment documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit report and noticed a collection account by Credit Collections Services ( CCS ) from the original creditor XXXX. Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Credit Collections Services ( CCS ), the collection agency that posted this collection to my XXXX credit report had NO KNOWLEDGE OF THIS COLLECTION ACCOUNT AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Credit Collections Services ( CCS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection Act, as Title VIII of that Act. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation