BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and 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 2023-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor # 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 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 to any 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 2021-08-10
Company: EQUIFAX, INC.
State: NJ
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 accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was pre-Approved by both the SBA and Lender for a second round of PPP money designated for Gig workers, independent contractors, Sole-Proprietors, and the self-employed, Funds in the amount of {$20000.00} was deposited in my account at Capitol One, of which I also had a business account for a different company at the time of the above mentioned deposit. Upon entering the bank to make a withdrawal, I presented my identification to the teller and was told I could not withdraw funds as the bank had placed my account under investigation for fraud, due to the type of deposit ( confused ) the funds were verified, yet Capital One still withheld my ability to utilize my account and access the funds ... They requested documentation, which I provided, and was given a number to call. No one was able to definitively provide a reasonable explanation as to why my funds were being withheld. Fast forward, and I reached out to them on XX/XX/2021 only to be told my account ( both ) was closed and that they would contact me later!! 
Unfortunately I am aware of this very situation happening to several other individuals regarding PPP deposits with Capital One! I am the Sole-Proprietor of my private business and should not be forced into this dreadful situation, especially when funding was verified!!! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 2020-06-09
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Ive been using cashapp for years and never had this problem my account was frozen on XX/XX/XXXX then unfrozen a few days later so I thought it would be easier by taking all my money out my cashapp so it wont happen again then a few days later my cashapp froze again but this time for weeks and I tried to get in touch with cashapp through XXXX  they said theyll me with me soon weeks go by no text back I emailed them and still nothing I dont understand why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was XXXX  on XX/XX/2016 and was XXXX XXXX XXXX XXXX XXXX XXXX. I had become aware that my credit card account had been closed and a charge-off reported to the credit bureau XXXX I reached out to the company to inform them i was currently XXXX  and didn't give anyone permission to use my card. They requested information that i provided and now they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-02-06
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, XXXX I received a call from regions to dispute some fraudulent charges that were supposedly happening on my personal account- what i didn't know was that this was a very organized and planned cyber attack on me. These people knew everything about me- they hacked into my regions online banking and had access to it all- i was unaware until later that evening. They had fraudulently set up XXXX wire transfers from my business account totaling XXXX $!!! Never in my life have I ever wired money out of any of my accounts with Regions!! This was a blatant act of fraud on the deepest level and I have been a loyal customer for XXXX  years. I was duped, possibly an inside job, I don't know but they hacked my email as well- I called regions and soon figured out what had happened- I told them to stop the transfer that it was unauthorized but they said they couldn't because it was pending. that I had to go file a fraud complaint with an open branch- so I did that on XXXX  XXXX. The fraud department received this on XXXX  morning because they are closed on the weekends. I told them what happened sent them all the info that I had on my phone. They returned XXXX of my money about XXXX days later but will not return the other XXXX. On XXXX I received a letter saying that they would not return my money. This is unacceptable!! I have been in business for XXXX  years and been saving this money just to have it gone in a flash - all my hard XXXX XXXX XXXX asking you to make regions make this right... please!!

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, So I live at the XXXX at XXXXXXXX XXXX in XXXX to XXXX, after I left I never received an invoice for their final bill. I did not know I had a final bill until after it hit my credit. I gave them a forwarding address, but I never heard from them again. I called the collection agency after I saw it hit my credit, but they are a smaller agency with very old equipment that is not up-to-date, so they had to go to some storage shed to get my file, which will take up to 30 days. Anywho, the apartments I moved out of charged me for carpet that was installed before I moved in, they said that it was because it was so damaged that they had to replace it after and charged me a pro-rated amount or something along those lines. These carpets only have a 5 year life expectancy, and i called the flooring place. The carpet was not updated again until XXXX, so they charged me for carpet that was obviously not damaged enough to have to replace again until the end of Its 5 years, which they would have had to replace anyway. 

Im requesting proof of the cleaning fees and the carpet replacement after I moved that was before the 5 years lifespan of the carpet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a consumer and my privacy has been breached by unwarranted communications by debt collector attorney XXXX, XXXX XXXX XXXX without my consent. They are contacting consumer for an unverified alleged debt for their client PENNYMAC LOAN SERVICES , LLC who is a debt collector and did not give me an alleged loan. XXXX XXXX XXXX XXXX XXXX is in violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. This matter is currently in federal litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: HONOR FINANCE, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The fiance company honor fiance company took the car to fix it cause it shut off on me on the freeway In front of a 18 wheeler. Return the car two months later still not fixed. We i had them come get the car one year ago i only olded them 3500 or less now they double the price of the car and the have the car back since XX/XX/2017. The dealership who sold me the car told me there was a recall on the air bag which was a lie the air bag was deployed when they sold me the car tried to not keep the car the same day of purchase but he at XXXX XXXX XXXX said he could have aold the car and didnt want yo refund my money before i took the car off the lot. Contact the fiance company same day of purchase XXXX was the one told me that the air bag was deployed he ( XXXX  ) at honor fiance tpld me to trade ot in but no one wanted it for a trade cause they said the car was not worth the equity of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I sent a certified letter to XXXX in response to receiving my consumer report that is negatively impacting my consumer report. As per 15 USC 1681a 2, my transactions and experiences between me and the person making the report should be excluded. Additionally, 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Finally, 15 USC 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. As the consumer, I did not give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate, and injurious information to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2021-08-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They stole my money after I paid them. I paid them {$1400.00}. Payment was due XX/XX/XXXX, paid later because there was an issue with my bank, they called me and said today was the last day to pay. I paid, they said they never got it & needed to do an investigation. 

I asked about the next 2 months payments, because I knew I paid. And wanted to continue my payments, about 3 months later after I given them proof of payment, they used my money towards something else which was a scam. 

Then they tried again, then they told me I paid 2x, I said from the beginining to check their account where the money goes they will see that they up by {$1400.00}. They never did it, so that was a tell ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I already made a complaint to CFPB about this request on XXXX ... XXXX but CFPB closed because CFPB does not pay attention to details. 

I am unable to obtain a reply from Capital One regarding status of overdue refunds associated with my Capital Credit Card and with Capital One 's Affiliate Program Capital One Travel. Total refund amount being sought is {$620.00} comprised of the following : XXXX {$250.00} Capital One Credit Card XXXX purchased on XX/XX/XXXX  / Vendor : XXXX XXXX XXXX XXXX confirmed 100 % refund on XX/XX/XXXX  via email of {$250.00} but Capital has not yet credited my account.

Company response to consumer: Closed with explanation