BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
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:
In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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 a 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 2021-05-13
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company LVNV FUNDING LLC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: GA
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:
Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX 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.C.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 2021-05-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed in XXXX of 2020 unauthorized inquiries and one account marked charged off and one account I was never late on and another that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is 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 mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  COLLECTION 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to acknowledge US Bank Association. XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID XXXX under loan officer XXXX XXXX XXXX with NMLS LIC ID XXXX is delaying and/or depriving me of a reasonably opportunity to get my mortgage refinance, which started at end of XXXX, to be completed and evaluated, loan ID XXXX. I receive a refi in XXXX and did not have to submit same information repeatly and for some not at all, like they are doing in this current refi application. They have changed my loan estimate documents twice changing numbers like est property value and est cash to close to fit their agenda. I have paid consecutively before time my current mortgage payment for seven years and have a credit score above 700. I feel they are not treating my application as a facially complete that your Regulation X and CFPB Act gives me that right. They are injuring me with additional closing cost fees, delaying and/or impairing my ability to obtain the benefits of a refi loan option at this time, along with a lock interest rate that will expire XX/XX/XXXX. With people losing their jobs due to COVID by the thousands, I feel their deliberately delaying of my application waiting for this to be my faith or like kind so they can deny my refi loan application. This is ethically wrong as hard as we Americans work to keep our home affordable. To get this matter look into before my lock in interest rate expire will be XXXX  lead and whoever choose this samaritan deed of the season may blessing over take you for such goodness that is needed at this time. 

XXXX XXXX XXXX, Refi victim

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 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CapitalOne 360 savings accounts, previously INGdirect seem to take an inordinate amount of time processing transfers. For example, I executed a transfer for {$11000.00} before noon on Monday XX/XX/XXXX from XXXX XXXX XXXX and those funds will not be available until XX/XX/XXXX. XXXX XXXX XXXX account has meanwhile been fully debited ). 

10-15 years ago when online banking was a novel experience a transfer and funds available window of 3/4 days seemed to make sense given the technology and risks. In 2021, CapitalOne seems to be taking advantage of an opportunity to earn free interest on consumers money while we can not access it. There are many other money transfer services that give me access to funds post transfer in a 24-48h window. CapitalOne is TWICE that. 

This is a pass through account for me so while I wait for CapitalOne to give me access to my own funds, I will not be able to move this money in time to my checking account with XXXX when my tax bill is due on Monday XX/XX/XXXX. I would assume in this current environment I should be able to execute two transfers within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I posted a bed to sell on XXXX XXXX app. Then a user named XXXX said her step father, XXXX XXXX, was interested in buying it and gave me his email : XXXX. I then contacted him and he said he would send a mover to check the bed and pick it up and send me the money as a cashier check to my home address. He also mentioned he was going to send more than the price of the bed and asked me to pay his mover who was going to pick-up the bed. I received the cashier check and deposited it at the bank and garbbed the mover 's money in cash. Then he messaged me saying the mover wanted the money wired to him instead of cash. So I sent the {$1600.00} to the mover with the information I got from the buyer through Zelle : XXXX XXXX XXXX. The buyer also gave me an alternative Zelle contact information incase the first one did not work : XXXX XXXX : XXXX. This was all on XX/XX/XXXX. On Tuesday XX/XX/XXXX the day the mover was supposed to come I got a message from my bank ( XXXX ) that the check couldn't be deposited due to an issue. I then called XXXX customer service and found out it was a fraud and I had lost {$1600.00}. The buyer was no longer answering my messages, emails, or calls. And due to the fraudulent check the bank decided to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app takes money without any trace of it. 
It should be common sense that if I start with {$100.00} in a time frame and spend {$10.00}, {$22.00} and {$7.00} then I should minimally still have ( with or without fees ) {$61.00} dollars unless fees are associated. Fees cost {$2.00} per transaction. That would be {$7.00} in total fees. There should be a minimal balance of {$53.00}. However, on several occasions I get a text stating I made a Purchase for X amount not once or twice but three consecutive messages stating I made a purchase. My ending balance will be {$1.00}. Once, it was actually closer to accurate at {$15.00}. Where, how does that add up. It doesn't, and never does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, I am writing to inform you of a business conducting unfair debt collecting practices. 

Agency : Account Recovery Specialists , Inc . 
Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX, XXXX XXXX charging {$230.00} + {$26.00} in interest. on the letter they have sent to the attorney. I have other amounts they have billed me charging interest as well, unfortunately I do not have those letters with me at this time - however, I can do a follow up regarding this information. 

ARS, Inc. has also contacted an attorney regarding a debt concerning my husband, XXXX XXXX and myself. I am reporting them for the below information : 1. Debt Collectors can not collect interest, fees, or other charges on top of the amount you owed, unless the original contract or your state allows it. 
a. There was no original contract as this is pertaining to a medical bill ; medical bills are not subject to interest. 
b. Kansas Debt Collection laws adopt the FTC laws that do not allow a debt collector to collect interest on a debt. 
2. Statute of limitations for ARS to sue regarding this debt in the XXXX of Kansas is 3 years. The debt is far older than 3 years and now considered Time-barred. 
For those reasons above, the agency is being reported. 
Thank you for your time in considering this matter. 

XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for a Best Buy Credit Card at a store in XXXX, CA. I was deferred but even after Best Buy called Citibank, they would not give further information. A few days in the mail I got a letter stating I was declined due to a security fraud alert on my account. Citibank never tried to call me or verify my identity. They attempted to do so while on the phone with me but could not because they were calling an old number I haven't had for over 2 years. They told me to get the fraud alert cleared and to try again in 30 days. This made 1 negative hit on my credit due to a credit inquiry that they didn't even use. The system they explained to me that they use apparently doesn't use the credit reporting agencies to validate my information, when the fraud alert specifically on my credit report said to contact what is my right number. So I took a negative hit on my credit because Citibank neglectfully refused to use the information that was directly provided on my XXXX credit report at the time. 

After XX/XX/XXXX, I applied again and was denied for already having an application in the system. I called Citibank and they said to wait a few more days. I applied again 2-3 days later and was told again that my old application was still in the system. I was told to apply again after XX/XX/XXXX because that is the date my old application expired. I applied again on XX/XX/XXXX and was deferred. I called to see if there was any issues with my application, information, etc. They declined to provide any information and told me to wait for their letter. 

Citibank willfully admitted that they did not use information that was directly included on my credit report, using some outside source that they refused to disclose. I have a strong belief that Citibank is declining my application because I had 4 applications in one month, which was because they lied to me about the timeframe I could apply multiple times. They have caused me to harm my credit part with this neglect.

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 2022-01-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone must have stolen my information and my chase account is in the negative and I dont know how this happened. I have reached out to them. I am a victim of fraud and identity theft. I need to file disputes cause someone got a hold of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-24
Company: EQUIFAX, 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:
A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with Equifax, XXXX, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$4700.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX  {$11000.00} XXXX XXXX XXXX {$640.00} XXXX {$0.00} XXXX XXXX {$0.00}

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 2023-08-04
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: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 response to consumer: Closed with explanation