BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This dept is a result of Identify theft. On XX/XX/2019 I faxed 17 pages to XXXX as requested by XXXX to resolve this. XXXX is in clear violation of the Federal fair credit reporting act! Under 609e I asked XXXX to provide me all records of this transaction under ID theft laws of 609e. I received nothing. Also under Notice To Furnishers 623a XXXX violated my rights under duties when ID theft occurs. I see GC services on my credit report for the dept. This is the second round of XXXX  turning this same debt over to other collection agencies for a Dept that was deleted last year from all Credit reporting agencies and the XXXX XXXX XXXX that was the dept collectors last year all this was deleted I thought I was all set. Well fast forward to this past week I see XXXX sold this same dept they know is ID theft and was deleted last year to I see GC services on my report and XXXX! XXXX deleted this as of today I received email XXXX off my credit report now we are down too GC services I see on my report. XXXX Is in clear violations with documents I'm attaching again to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/, My payroll never became available in my account from XXXX XXXX XXXX. When I called the bank, they advised me that a freeze or receivership was placed on the account. They advised me to contact : 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 

All I have been given is a notice of Default judgment from the Justice of The Peace in XXXX County Texas from 7 or 8 years ago. There is nothing in these documents from Speedy Cash with my signature or anything showing that I incurred this debt. However, XXXX XXXX has frozen my checking account and savings at XXXX XXXX XXXX, and I can not pay for electricity, pay my bills or get prescriptions from the pharmacy as I am a XXXX XXXX XXXX XXXX XXXX advised me that she is only the receivership and that another law firm got the judgement against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have contacted that law firm, but so far, no response. I do not owe this debt. I have never been to Speedy Cash, and I believe it to be case of stolen identity. I had an issue about the same time as this where I had to contact the IRS because I received W-2s from a company that I never worked for. I now have to get an IP PIN from the IRS every year to file my taxes. My duly earned payroll is being withheld, and I do not owe this debt. The default judgment was for {$1100.00}. XXXX XXXX states that I owe over XXXX dollars. PLEASE HELP. I have no idea what to do or where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} 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 explanation
Consumer complaint received 2023-03-06
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 several 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 XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: ALLY FINANCIAL INC.
State: NY
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 know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. ALLY FINANCIAL XXXX/XXXX/2020

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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a bill from my Capital One credit card for {$95.00} annual fee and called on XX/XX/XXXX asking for the annual membership fees to be waived, but my request was denied. I requested to cancel my credit card and representative informed me that I had XXXX rewards points and he could send me a check for {$11.00} which was half of my points worth. He stated that in order to receive the whole amount of {$22.00}, I could to make a restaurant purchase and apply the whole amount. He informed me that I had 45 days until XX/XX/XXXX to make a payment for membership. 
When I made a restaurant purchase on XXXX, my credit card was declined. When I called customer service and spoke to manager XXXX, I was told that my card was past due and on hold due to my membership fee not paid on XXXX and I can not redeem ANY of my points until I make the payment. I reiterated to her that I was informed differently by the previous agent, and she said this was not correct and she would obtain a conversation recording for XXXX. 
On XXXX I received a call from another manager XXXX who stated that they completed the investigation and found no wrongdoing on representatives site and that I had to pay my membership fee to bring account back to active. It was very frustrating to hear that after I was misinformed by the representative on XXXX, no action was taken and I had to suffer the consequences and was forced to forfeit my rewards points earned. She once again declined my request to waive membership fee to bring account back to active and for me not to lose my points. 
It was very upsetting that management did not admit any wrongdoing and was not able to find ANY solution to solve this issue. 
I cancelled the card to avoid any late fees and requested for a check to be mailed with my points earned but was denied. 

I filed a grievance with the credit card and received a denial again. 
CASE # : XXXX Account ending in ... XXXX Capital One practices deceptive practices and conducts unclear disclosure of information to their customers. 

I am a XXXX XXXX and feel very disappointed that customers could be so mistreated by credit card company. 

I ask for your assistance in this matter. 

If you have any questions, dont hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX XXXX I, the consumer of the report Transunion is improperly reporting on, contacted the company for a second time. I informed them that their investigation results were invalid and inaccurate. I informed Transunion, I never gave them authority to acquire or furnish any of my non public financial information. In a letter dated XX/XX/XXXX sent certified ( USPS Certification # XXXX XXXX XXXX XXXX XXXX ) I requested that my consumer report be updated and consist of accurate information. My initial dispute, dated XX/XX/XXXX sent certified ( USPS Certification # XXXX XXXX XXXX XXXX XXXX ), was returned as verified, which I did not ask for verification, however, since they claimed this to be verified, as per the CFPB, and FCRA, they must provide me with method of verification, who verified this information and it must be done within 30 days. These are clear violations of Federal Law and my federally protected consumer rights.

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 2021-01-12
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-05-05
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX 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. 16815-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went in for a credit check with my financial counselor when I noticed a collections account from Hairs & Hairs.With the original creditor being, the XXXX XXXX  XXXX XXXX in the City of XXXX XXXX. I never attended or even been to this place before. My financial counselor sent out a debt validation regarding this debt and we have not heard back at all regarding such debt. This debt is not mine, and I would like assistance with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
On XX/XX/2022 I mailed Experian a dispute letter regarding inaccurate accounts listed on my credit report and Experian did not respond. This is my 2nd attempt.

I received a copy of my credit report and the items listed below show status as debt included in or discharged through bankruptcy XXXX XXXX XXXX or XXXX. How is that possible and there is no public record such as a bankruptcy listed on my credit file. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted because they are reporting inaccurate information.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX DELETE this account in the Credit Report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX DELETE this account in the Credit Report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX DELETE this account in the 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 explanation
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was charged a late fee. Requested to be waived. Was told that for some customers the fee was waived but not for me. Never been late, always paid more than my minimum and late fee was not waived as courtesy but for others is.

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 2023-10-27
Company: Block, Inc.
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a purchase online at a company and never recieved products I filled a dispute and recieved a cancelation email and a refund receipt, I never recieved the refund so I disputed with my card company ( cash app ) and they denied my dispute and sent the money to the company they're refusing to work with me and give me any answers so XXXX XXXX XXXX XXXX by cash app and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in an auto accident with my son in 2021. When they officers arrived they call the ems when the ems arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because Augusta Collection Agency Inc is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX Sheriffs Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief