BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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:
I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-10-18
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter to collect a debt in XXXX of XXXX in the amount of {$830.00} from THE CBE GROUP, INC, I disputed the bill on XXXX XXXX through their online portal ( see attached ). I received a letter dated XX/XX/2023 stating that the balance is due on the validated account. The information was not validated as per my request. 
After further research into the company, I found out that the debt collector is not licensed to collect a debt in the state of Florida as of the date the initial attempt to collect a debt and the date of response dated XX/XX/2023. I am alleging that THE CBE GROUP, INC has committed identity theft against me being that they received my personal and medical information by representing the company as a debt collecting business. This has caused me undue stress and mental anguish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Block, Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Direct deposit failed in the amount of {$720.00}. No answers from Cash App. XX/XX/, double charge for a purchase of {$33.00}. no action or answer from Cash AppXXXX, was told I had insufficient funds and got declined. Money in the amount of {$24.00} was still taken out of my account. No response and no explanation given. No refund of any kind. These are just a few of the problems I have had with this institution. I am hoping that this will help someone so that they do not loose money with this institution. They are constantly withholding money and never giving any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MO
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2023-09-25
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit 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:
On XX/XX/XXXX  I purchased round trip seats from XXXX XXXX XXXX on JetBlue. My seats were confirmed as XXXX to XXXX and XXXX to XXXX, and paid for at the time. I have confirming email of the purchase and seat selection directly from JetBlue. When I went to check in for the flights, my paid for seats had been changed to XXXX. When I called JetBlue, I was told that 1 ) I would need to pay {$25.00} to resolve this over the phone and 2 ) that I didn't pay for these seats and would have to purchase " even more space '' seats for an additional cost. Rather than argue, I went back online to find that my original seats were no longer available, clearly having been resold. So, I chose seats as close to my original, already-paid-for seats, and paid an addition {$310.00}. 
JetBlue claims that I purchased my tickets and seats through XXXX, and were not guaranteed. This is not the case as all of my flight communications were directly with JetBlueXXXX as evidenced by their email confirmation from JetBlueXXXX not XXXX. 
I sent a letter disputing this. Same response. I contacted the credit card company which noted that I disputed the claims, the issue is resolved, but I disagree with the determination.

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 2022-04-28
Company: WELLS FARGO & COMPANY
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.

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 2022-04-28
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We signed up for a plan with XXXX phones with XXXX, as offered by a XXXX salesman . One of the phones did not work upon arrival, and the other never worked properly. The first phone was returned but we never received a replacement, even though they continued charging us. We were also told that the terms of the plan as described be salesman were not accurate. After weeks more of phones calls and broken promises, we began asking how we might terminate the contract. Finally, an associate, on a recorded line, agreed to terminate the plan with no further charges so long as we returned the second phone, which we did. We received a partial refund, for the phones and some for the phone line we were never able to use because we never had onXXXX of the phones. Later, XXXX began trying to recover the funds ( over {$200.00} ) through my husband 's credit card company, XXXX. They lost multiple disputes. After they lost one, they tried to reapply the charge as a " recurring charge '' even though the account had been terminated ; the credit card company again sided with us. He was also able to recover a bit more money in the process by disputing the older XXXX charges with XXXX. Now they are pursuing this through a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After noticing the derogatory remark on my Credit report I contacted them. to try to resolve the matter and was made to feel very uncomfortable and threatened to pay. So I made a payment to have it removed to only see that a month later I is back on my report but with another collection company .It went from Frost to XXXX XXXX XXXX  . I feel like my personal medical information is being passed around and used to get money from me in these tough times. I have been very irresponsible in the pass but I have learned to be more careful with my finances. Please help me to correct this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During Covid-19, my mortgage was palced in Forebarance. I was told then i started the forebarance that my payments would be added to the end of the loan. I have been trying Since XXXX of XXXX to get out of forebarance and start making payments again. Carrington is telling me that they can not simply just add my payments to the end of the loan. Since XXXX of XXXX Carrington has been reviewing my loan for a modification. As on XXXX XXXX they are still revieing me for a loan modifiaction. Their lack of action on this is putting me in incrasing jepordy of loosing my home. I have not made any payments because I want to know how they are going to resolve the amout that is behind. And they can not tell me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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 am disputing a charge for goods or services that I did not accept or that were not delivered to me as agreed. I am also reporting Capital One for failing to do proper due diligence, siding with the merchant without due cause or process, in direct violation of my rights and the Fair Credit Billing Act. 

On the date of XXXX XX/XX/2022 I was informed by my flight carrier that there was a flight change made. The scheduled flight was to take off on XXXX XX/XX/2022. 

As a result of this flight change, this flight carrier ( XXXX ) offered a full refund ( see EVIDENCE_1.PDF ) for the flight, as indicated by their website, however, it was listed that I must call to receive this refund. Other options, such as a voucher, were available immediately via the website. 

However, XXXX refused to offer the refund that I had full rights to, according to their own terms and their own website. 

On XXXX XX/XX/2022, immediately after learning that XXXX refuses to cooperate, I contacted Capital One to file a dispute ; Capital One assured me that they would " look into it '' and I offered to provide them any and all evidence showcasing the wrong doing done by XXXX. 

Capital One said they did not need any evidence from me. Today, XXXX XX/XX/2022, Capital One decided to side with the merchant, XXXX, without any due process, any collection of evidence from my side, or any email correspondence whatsoever. 

This is fraud and Capital One is not following their obligations under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Nelnet, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The student loan debt listed on my credit report should have been discharged inXX/XX/2013 under Bankruptcy Case XXXX XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: SHM Holdings, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
There is Arsenic in the water XXXX very high will kill my family this was not disclosed to us. The mortgage company did not take a well water test they did take a test from the XXXX XXXX. Which goes against VA XXXX. It is a requirement for a FULL well water test including potable water AND hard metals. SO now we have a house that is uninhabitable. Please reach out to me for any specifics since the information is personal information. You can reach out to me for documents we also hired an attorney and contacted VA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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:
On XX/XX/2021 I check my credit report and I notice there was some fraudulent account on my credit report. These companies violated my rights. How can a company furnish account on my report without notify me. that's a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021, I filed complaints against both Capital One Banking ( Complaint # XXXX ) and XXXX XXXX XXXX Bank XXXX XXXX # XXXX ) regarding a clearly altered check that was initially accepted by Capital One Bank which XXXX XXXX XXXX by XXXX Bank. I have attached a copy of the full complaint form for Capital One ; the same complaint message was filed for XXXX Bank. On XX/XX/2021, I received a phone call from XXXX Banks Executive Offices wherein the complaint was reviewed with the representative essentially agreeing that this is a matter between XXXX and Capital One Bank. It is a problem within the banking system and not with anything I had done. The representative advised me that she would have to discuss further with XXXX Banks Fraud Operations with its Customer Complaints and that I would receive a response within 3 days. No such response was received and a follow-up call by me went ignored. XXXX XXXX Bank responded via letter on XX/XX/XXXX, a full two weeks after the complaint was filed, that they need an affidavit form from XXXX, one which I had provided on two previous occasions. There has been no contact by either XXXX or Capital One in the past three months. As a brief summary, this involved a {$2500.00} check I had made payable to XXXX, a well-known and well-supported XXXX based organization that provides extensive assistance to XXXX and XXXX XXXX children and adults. The payee was clearly altered to XXXX XXXX. Despite an arrest of an individual having been made for stealing mail from the local post office and altering numerous checks, there has been no follow-up on the part of either bank. As a result of both banks choosing to ignore me, a forty-year customer of XXXX with significant holdings, I have decided to pursue two paths. I will begin transfer of my funds from XXXX to XXXX XXXX XXXX. I will also contact the local affiliate of one of the national news networks that runs features on resolving citizen problems. Given the high visibility of XXXX in the XXXX area, there is a reasonable likelihood that the network will pick up on this instance of two major financial institutions effectively punishing a most worthwhile organization. Since neither XXXX nor Capital One appears concerned about resolving the problem with me, perhaps being confronted by reporters for a major news station will elevate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I drive for XXXX and once a year they do a background check on us to make sure we are still eligible to XXXX. Well as of XX/XX/XXXX this year mine came up for renewal. At the same time the new XXXX XXXX went in effect. So according to Checkr. It has put the courts behind to produce checkr reports they need. Well I have contacted my county, district and MSP ( ichat ) and up tanned my own report and sent it to checkr and XXXX. Checkr told me that they can not except it from me they need it sent from the company. XXXX told me that they can't except it only from checkr. Checkr is dragging there feet and has cost me a lot of money for not being able to work. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-28
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have attempted numerous times to add a credit card account that I am on to both Equifax and XXXX. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Stellar Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Stellar Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
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 filled a dispute in regards to the incorrect items on my credit report. It has been 30 days and i haven't received any investigation results.

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 2022-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation