BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXXXXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA 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 whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2023-09-19
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a dispute for the money for rent I never received. Got kicked out. It was through XXXX XXXX ( I rage closed my account with CA because of how unhelpful they were ) and Chime is not doing their XXXX job. 

They dont understand the severity of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing, LLC ( XXXX ) started servicing my mortgage loan on XX/XX/2021. I made a mortgage payment ( due on XX/XX/2021 ) to my previous loan provider ( XXXX XXXX aka The XXXX XXXX ) on XX/XX/2021. However, this payment has not been applied to my account with SLS. I provided the mortgage statement that shows the proof of payment to XXXX. XXXX has not updated my account or provided any information on when or if errors will be corrected.

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 2023-10-09
Company: The CMI Group, Inc.
State: MD
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:
This company is erroneously listing an account on my credit report. I've reached out to both the original creditor and credit management with proof this is not mine. It is still listed on my XXXX XXXX XXXX reports. XXXX has deleted the collection after investigation. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: LA
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 and Experian FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX  XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX and XXXX have inquiries that are listed that I have not given the creditor permission to open a copy of my credit 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 non-monetary relief
Consumer complaint received 2021-12-27
Company: CITIBANK, N.A.
State: NY
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:
XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through BestBuy affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted BestBuy, Citibank and was told of no report through my full name & social that they did not see nor have one on 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 2019-03-25
Company: RateGenius Loan Services Inc
State: PA
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 purchased a new XXXX XXXX through an XXXX dealership on XX/XX/XXXX. The vehicle was financed through XXXX XXXX XXXX at a higher interest rate than I would have preferred but due to the rebate ( {$1000.00} ), the financing had to be with them. However, the condition of the loan permitted refinancing after 90 days. On XX/XX/XXXX, I received a pre-approved loan offer from a XXXX   and rateGenius to refinance my vehicle from 5.56 % to 2.247 %. I immediately submitted a loan application to refinance the loan on the vehicle. The loan was quickly approved. I provided them with the documentation which they required to the loan process. Suddenly, there was a 1 % increase in the interest rate which was still a reduction when compared to the existing auto loan. I consented. I had to have documents notarized, insurance verification submitted, along with a checklist of additional items. Finally, I was told to submit ( 2 ) years of Federal Tax Returns. I found this to be questionable because this has never been a requirement during the 40 years in which I've purchased new vehicles. When I questioned the reasoning for requesting my tax returns, I was told it was not necessary but they wanted me to consent to yet another credit report. I objected because this would have been the 2nd obtained by them, and, added to the one originally obtained by XXXX XXXX XXXX, there would have been a total of three ( 3 ) credit reports secured by lenders within a six ( 6 ) month period. Invariably, this action would have had an adverse effect on my credit and resulted in reducing my  credit score. I then wrote to both the President and CEO of XXXX and to rateGenius to express my displeasure with their lending policy. Following my correspondence to XXXX, I was sent a letter from rateGenius stating that they were unable to find a lender that could provide a lower rate and therefore my loan request could not be granted. They went on to say, " This may not be due to your credit rating ; in fact, it may be that you already had a good interest rate and we could not find a lower rate. '' They stated that my credit score is " XXXX. '' Additionally, they list four ( 4 ) factors which adversely affected my credit score. All four ( 4 ) factors are false and a total fabrication of the truth. I have since written again to them along with XXXX to contest and appeal the rejection letter and the adverse factors which effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was recently scammed out of {$12000.00}. I was looking for a remote job where I could work flexible hours. I was contacted by someone who said they worked for XXXX XXXX. I was given the job after a remote interview through the XXXX app. I was told I would be sent a check to purchase the laptop, software, and other items I needed for the job. The check was being mailed to me so I could prove my trustworthiness to the company. I was sent a check for {$3800.00}, which I cashed on XX/XX/XXXX, at one of the Truist branch locations. There was never a hold placed on the check that I deposited, despite hardly ever depositing checks and never depositing a check of that amount before. I then sent the money via XXXX to one of their supposed vendors. I was then sent a second {$8900.00} check, which was again cashed on XX/XX/XXXX, at a Truist branch. Again there was never a hold placed on the money despite me never cashing any checks. I then sent the released funds via XXXX, XXXX, XXXX, and money orders I obtained from Truist and mailed them via XXXX. Then the checks came back as returned. It took me several phone calls even to be able to file a fraud claim. 

I have the names and information of the individuals I sent money. I have all of the chats that told me how to send the money from the checks. I even have two additional checks that I was sent. 

I received a letter on XX/XX/XXXX, stating that my fraud claim had been denied because I authorized the transactions. Yes, I authorized the transactions at the directions of the fraudsters. 

I received a letter on XX/XX/XXXX, stating that Truist is closing my account and have seven ( 7 ) days to make my account XXXX. If I do not, the money charged off will be reported to my credit. Truist has already taken over {$3000.00} from me to pay back the {$12000.00}, which meant that I could not pay my rent or my credit card bills. Now I am being told that because I will not be able to pay the {$9800.00} to bring my account up to XXXX, that {$9800.00} will be charged off, and the charge off will be reported to my credit. 

So not only was I victimized by the fraudsters, but now Truist is telling me that there is no way to get my {$12000.00} back, but they are also going to victimize me by reporting the charged-off amount to my credit report. 

I have been a customer of SunTrust for over a decade and have never felt like I did not matter. SunTrust was always there to help me through everything. After this merger with BB & T to Truist, the bank has gone downhill, and I will not be referring Truist to anyone.

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 2021-08-17
Company: Renton Collections 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: Old information reappears or never goes away

Complaint:
This account was removed from my credit report, then they turned around a few weeks later and put it back on the report.this can't be legal.this company does this alot to other people and it shouldn't be allowed.this is bad business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX was given access to my open-end account to establish and open an accepted credit card account with their bank to cover my personal, family and household purposes for our private vehicle repairs and ongoing maintenance. I asked the bank to show me the accounting in its entirety. As it pertains to the account. They immediately closed my account, labeled it bad debt and defamed my character and damaged my credit. I was just reading on The CFPB enforcement page that a {$9.00} XXXX XXXX  settlement was just reached with XXXX XXXX who violated consumer financial protection laws and rules that protect individuals when we dispute credit card transactions. The Truth in Lending Act protects my right to see the full and unadulterated accounting of my account. I was punished because I asked to see the books on my account. I now know that they had something to hide that they absolutely didn't want me to see. I now see that they have charged off the account and sold it to a third-party debt collector named CBE group. Please correct me if I'm wrong, but aren't credit card accounts non-transferable and non-negotiable? If that's true, then aren't these two companies acting fraudulently? XXXX XXXX XXXX. ignored my rights protected by T.I.L.A. and the CBE GROUP are attempting to collect a debt in fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received medical bill with overage charges. Disputed with hospital. Hospital sent to collections. Collections reportedly tried to collect for medical bill that was XXXX. Disputed multiple times because charges where not correct. XX/XX/2022, the collection was removed from credit. XX/XX/XXXX, collection amount was added for the XXXX charge and an additional XXXX charge so that totally is now over XXXX dollars. XXXX XXXX is Avante USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NY
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:
Attention to Equifax. I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine. Under section 15 usc 1681c-2, you are required to comply with my request to remove the fraudulent account from my report within 4 days of you receiving my complaint. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all the proof required for the block. Please remove this account ASAP or you're in violation of Federal Law. Thank You for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I called Captial One to let them know there are unauthorized charges on my account and that I lost my card. So they said that they will reverse the charges and that it will not affect me, that they will credit my account and conduct and investigation and also they will send me a new card. So I receive my new card and upon activating my card online, I see that there is a unauthorized charge of {$33.00}, so I called them back and they told me that I am to pay that amount and then the rest of my fund will be released to me, that they are still conducting the investigation but I would be able to use my funds. I made the payment of {$33.00} and now upon checking account this morning, my account is closed and they are telling me that because I called stating there are unauthorized charges on my account that is why they closed the account and I let them know that I will be filing a complaint with the FTC and the CFPB, while we're on the phone. They are telling me that they are not going to refund the XXXX and the account can not be reopened. This company has done identity theft and violated all of my rights pursuant to 15 USC 1691, 1691 a-f, 15 USC 1681, 1681a-t. I want both my accounts back minus the charges that that I've stated are unauthorized and I want an extension of credit that I wasn't allowed in the status of unlimited credit. Also I started back using my Capital One XXXX card and that card has been closed again without my knowledge and they are trying to say that because I stated there are unauthorized charges on XXXX account that this is their reason for closing both accounts. I am requiring both accounts with unlimited credit benefits. They have violated my 15 USC 1681 for reporting on my credit reports without my written permission and refused to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING MAY IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA

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 2023-10-09
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Bought a laptop from XXXX XXXX for XXXX dollars and returned it. Cash App has not returned the funds, they suggested ask XXXX XXXX. I asked XXXX XXXX and the funds were returned immediately on Saturday. I shared this with cash app and heard nothing back for over a day and am still missing XXXX dollars.

Company response to consumer: Closed with explanation