BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Kornerstone Credit,  LLC.
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:
XXXX XXXX XXXX  CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First national bank purchased my accounts from XXXX XXXX XXXXXXXX in 2015 without my knowledge and transferred my XXXX accounts ( which at XXXX were non fee based ) into fee based accounts of which the balance didn't meet the minimum threshold to avoid fees. They then subsequently drafted the accounts down to nothing and closed them for insufficient funds. When contacted, they offered to move my miniscule remaining funds into non-fee based accounts. ( If that was an option, why weren't they transferred into those accounts to begin with? ) Regardless, they refused to make me whole and reimburse me for the funds stolen. In light of the news about the B of A finding and the trouble that XXXX has gone through with a very similar situation. I would like the CFPB to begin diligent investigation into FNB and realize they've stolen my money for no services rendered. I, not once, deposited, withdrew, or utilized any of their services. They simply transferred my money in, placed it in nonequivalent accounts, debited without my knowledge, and then closed my accounts, effectively stealing from me ... .all " legally '' of course. I reached out to many individuals giving them the ability to make it right, all, of course, falling on deaf ears. They acknowledge that they took the money in accordance with their fee schedules... .fee schedules that I never acknowledged or understood until it was too late... .I 'm still shocked this has been condoned by the company rather than apologies issues and restitutions paid... .simply stunning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Marlette Funding, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX and XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX and XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Best Egg on XXXX. They accepted my instrument but did not credit my account correctly I did call and spoke with recording will be attached and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXXB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Weimark
State: NJ
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:
To Whom it may concern, I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX XXXX NJ XXXX To my complete and unbiased knowledge ( Weimark * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681.

Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter.

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 2023-06-22
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-05-30
Company: GOLDMAN SACHS BANK USA
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX/GREENSKY 9 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary 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 PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 84 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WLCC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Explore Credit deducted {$110.00} from my bank account using a fraudulent check on XX/XX/23. I have never had a loan with the company, and do not know how or why they had my banking information. It has been 11 days and they company still hasn't returned to money or offered an explanation. They claim this was a " glitch '' in their system, but I do not understand why I was in their system to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Statute of Limitations expired The statute of limitations expired XX/XX/2022 and I did not receive any notice until XX/XX/2022. .I have written them explaining that the debt is no long good because of the statute. They do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS 100 % ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information.

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus numerous times under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank froze my account with no warning, no explanation and constantly hanging up the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person I met on a dating app named XXXX XXXX XXXX probably fake name ) tricked me and stole my money which is XXXX dollars. He lured me from multiple transactions to withdraw money from chase bank to XXXX  to fake app XXXX  ( also called XXXX  ). 

When the money went to XXXX  site above under my account there, they scammed me and stole my money. 

A private Investigation company was able to trace where the money went and found put they stole over XXXX XXXX dollars by scamming people. 

My money was last traced here and then ultimately XXXX to binance XXXX See attachment for transactions amount and police report. 

THE BANK CHASE IS REFUSING TO HELP GET MY MONEY BACK EVEN WITH THE POLICE REPORT Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I banked with CHIME for roughly 5-6 years. During this time I have witnessed CHIME not do it's due diligence in investigating bank disputes/errors. On XX/XX/XXXX  I started a dispute for fraudulent activity on my account. I've sent all the necessary documentation including the police report and the email from the company XXXX stating my refund was approved and sent to CHIME. This dispute is still open 90 days after the initial dispute claim and after the email. CHIME won't close out the investigation stating it needs more Information. When asked what information is needed, no answer can be provided. On XX/XX/XXXX  I initiated another dispute against fraudulent activity, with the same company XXXX, and again provided all documents. XXXX acknowledged the refund amount and approved it on their end. CHIME denied my claim after 2 hours of investigation, even with the email from XXXX. I called XXXX trust and safety supervisor to which I was provided the number for and asked about the investigation process and I was informed that no representative from CHIME contacted them in regards to this matter. So how did CHIME proceed? I closed out my account with CHIME on XX/XX/XXXX  because I'd rather stuff my money in a mattress rather than let incompetent individuals with no banking intelligence to keep my money safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking account showed a available balance of {$200.00} and I checked everything and all of my debits had gone through and everything was as it should be so I thought that I got a refund from a credit card company that said they were refunding money for a fee I paid in XXXX. So I paid my credit card connected with Truist {$27.00} dollars because there was money in my account and then the next day there was no money in my account and my bank charged me an NSF fee so I want to know why they keep doing this to me. They show that my account has money and its still is in there 2 days later so I assume that I have money in my account they let me make charges and then they charge me an NSF fee and the money I thought I had in my account magically disappears. I feel that this is a scam and I feel this should be illegal. They are doing this to deliberately cause people to incur NSF fees and I think this is outrageous and they need to be stopped because they keep doing this.

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 2023-08-28
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

The details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.

2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.

3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.

This situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.

Company response to consumer: Closed with explanation