BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, Equifax and XXXX Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account Santander account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and Equifax mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received numerous emails from XXXX XXXX trying to collect debt on behalf of LVNV Funding LLC. Next received a few letters from XXXX for collection of same alleged debt LVNV Funding LLC. I requested validation of the debt from XXXX XXXX XXXX In return received attached letter from Resurgent Capital Services. 

So far named XXXX debt collectors attempting to collect same alleged debt which shows current creditor LVNV LLC. So, my information is now all over in at least 4 named debt collectors trying to collect this same alleged debt. 

I believe that my right to privacy as a consumer has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2020-08-07
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have come to know that this company is really, really under handed and doesn't follow fair practices. 
For the same incident, they reported to the credit bureau several times.

Now my credit score went down from XXXX to XXXX. 
When I told them I don't have all the details and need the same, they threatened that my credit score would be XXXX  up. They talk carelessly and as though they know that they have their hands around my throat. They are nonchalant and feels like you are talking to superior people and we have to beg. 
Additionally, I still have not received paper work that was promised to me. 
THEY NEED TO WITHDRAW THE REPORTS FROM CREDIT BUREAU, UNTIL THIS ISSUE CAN BE RESOLVED IN A FAIR MANNER. 
Please take disciplinary action on this company, Account Services, USA.. so that they develop some sense of justice and playing fair. 
They keep calling at all hours of the day with different phone numbers and are rowdy in their talk.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Flagstar Bank, N.A.
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 is missing that should be on the report

Complaint:
Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I live in XXXX, Idaho. Chase Bank says I used my debit card at a XXXX ATM at XXXX XXXX XXXX XXXX XXXX Pa on XX/XX/2023. I and my debit card were on an Alaskan cruise when this happened. When I got my paper statement in the mail, I saw that charge for {$300.00}. I immediately called my bank cancelled the debit card and ordered a new one. Chase has sent me " proof " after their " investigation '' that I used my card ... All it is, is a transaction number, there is no other information. What I found out with my investigation is that the transaction was at XXXX XXXX This ATM is in an office building that is closed from XXXX to XXXX. I have asked Chase numerous times to show me proof it was me, the pin # and the video of the person who used my card. They refuse. I believe this was a mistake on their part. Why would someone go through the trouble of stealing my info, creating a debit card ( and how could they know my pin? ), did they check the balance before proceeding? That should be in their records, and they only used it once to take out {$300.00}? I didn't cancel my card for probably 2 weeks, because I didn't notice it until the statement came and I was checking everything. You would think they would have done a lot more damage, there was {$45000.00} in my checking account at the time. When I contacted XXXX, they said they can't give me any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I invoiced two clients, a technology  XXXX company and a registered LLC Farm in CA for whom Ive done XXXX work this Summer as an XXXX  XXXX. 

One check was deposited on XX/XX/XXXX in an ATM, the other was deposited XX/XX/XXXX using mobile deposit on the Capitol One app. 

After depositing checks to my brand new Capital One checking account, Capital One personnel, without my knowledge or permission, contacted my client ( s ) on XX/XX/2021, asking if they would verify checks written. The female who contacted my client refused to identify herself by name. Because the Clients cellular phone number was unlisted, the caller ID 's were identified as SPAM RISK and because Capital One was not my clients bank, my client refused to disclose any information to Capital One Banks personnel ; Capital One Bank deposited the checks ( both valid and both immediately settled ) and then immediately blocked, closed or otherwise disabled my account. This intentional action on the part of Capital One bank has deprived me of my income, and knowingly locked up funds, which Capital One Bank knew would not be returned to the maker, and would not be accessible by me, the valid account holder. 

My understanding is that if a bank deposits funds into a closed ( or effectively closed, blocked or locked ) account, they must by Federal Law, return those funds to the maker. Capital One had refused to comply with this basic premise. 

Capital One bank has refused to return the funds to the writer of the checks, and has refused to send me ( the rightful owner ) a check in the amount of the balance indicated in my account that they have locked for no valid reason, intentionally withholding funds that do not belong to Capital One bank. Personnel at Capital One bank stated to me directly over a phone call that since my client, XXXX XXXX, did not cooperate with them, they have blocked, closed or otherwise locked my account. 

-- I have repeated called Capitol One to try and resolve this issue, spending many hours on the phone starting on XX/XX/2021. I have only received two email updates about my account being restricted, see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAVALRY PORTFOLIO SERVICE have file a complaint with the XXXX Police dept and the FTC please remove this Fraudulent account ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Okay XXXX I am a XXXX  XXXX  I want my XXXX clear I want {$200000.00} refunded and {$65000.00} cancel because I didnt realize that the XXXX  XXXX  at all canceled as well and socially if youre working from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-07-16
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$7200.00} XXXX  XXXX  XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance {$5700.00} XXXX  XXXX XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Balance {$5800.00} XXXX  XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.

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 2022-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had bank of America around 2017. There was fraud activity that occurred and the suddenly closed my account. I contacted them they said I owed them a XXXX XXXX dollars. I disputed it on my credit report it went from a XXXX  XXXX down to XXXX. But they still said it was fraud. I called XXXX XXXX and they sent what they had to me. I then contacted them because I went to my local police station to file paperwork on fraud and is willing to prosecute I needed more details from bank of America. The fraud department told me I wasn't in their fraud system. Then the division that closed account couldn't give me time of incident where it took place nothing for me to file this police report. They was supposed to send me what they have and I have yet to receive it in the mail. Then I was advised from XXXX  since I can't file a police report to file a consumer complaint against them

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 2023-02-16
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Back on XX/XX/XXXX, I was all of a sudden unable to transfer the funds I received via paypal, to my bank account or debit card. I never had an issue in doing so previous to this time. I contacted Paypal immediately and they stated that they fixed the issue and to give it up to 48 hrs to correct on my online account. I attempted again a week later to transfer the funds and received the same error message. Contacted Paypal again and after being transferred several times I was told to submit proof of identity which I did. Still no access to my money. I have since called countless times and have been on hold for hours upon hours, and still have yet to access my money. As I am typing this i am currently on hold after calling and asking for a supervisor, for now 1 hour and 36 minutes! I have over {$1300.00} being basically held hostage in my paypal account and the company has been no help and now will not even answer my calls! I need help in getting MY MONEY as I have been trying and trying for 7 months to do so, as it is now XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
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:
This is my second 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 an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
XXXX and Transunion stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.

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