BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been going back and forth with LVNV funding about this account that they alleged belong to me I requested validation of debt, a contract bearing my signature I sent a follow up letter on XX/XX/21 and received no response its been well pass the 30 day time frame and Im requesting removal of account XXXX XXXX has already agreed to delete account why is LVNV harassing me? Please help Ive attach certified receipt and letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
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:
On XX/XX/XXXX I purchased from indepth engraving in the amount of {$2600.00}. I entered into negotiations with the owner of the company XXXX XXXX, XXXX XXXX ) after agreeing the individual sent me a invoice through his company via XXXX account. The individual stated that the order will be coming from XXXX so he wouldn't expect product for 6 to 8 weeks later. After some time past I made contact and the individual notified me that he had issues with the factory in XXXX and that he had to use another factory. Some time after he notified me that the color that I ordered was wrong and that they had to redo the batch of color again to get it right. The individual then sent me a picture of the correct color and I approved which would be shipped out asap and that he should expect it by boat from XXXX around late XXXX or early XXXX. I then contacted him XX/XX/XXXX with no response then XX/XX/XXXX with this response... " Sorry I work night shift. I sleep during the day. Im closing the business, I have gone bankrupt due to shipments getting lost, call your bank and file a chargeback dispute. XXXX has frozen everything so I cant issue refunds. ". I immediately filed a dispute with my XXXX credit card ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX. XX/XX/XXXX I received a email stating that my request is acknowledged but they need some time to investigate. When I made my dispute they requested that I send the original invoice and the XXXX chat that showed the individual stating that I need to file a dispute with my credit card company. XX/XX/XXXX I received another response back stating that they were not going to investigate my dispute because the purchase was made more then 120 days ago. I immediately responded to the email stating that no investigation was even conducted because of the 120 days and that I was appealing this discion. I received no response back so I called them today XX/XX/XXXX ( after the weekend ), the response I was give on the phone was the same thing past 120 days good luck next time. I explained that end of XXXX early XXXX was my expected shipment arrival but they did not want to hear about it. I have consulted with a lawyer and was told to file civil litigation against XXXXXXXX XXXX XXXX XXXX but before having to go through that I was hoping that you may help me to get them to understand that I'm protected under the fair credit billing act through the federal government.

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 2021-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have contacted Select Portfolio Servicing numerous times regarding the attached 1099-C. As you are aware all loans associated to each of our properties are fraudulent. 
Our information was taken for the purpose of obtaining loans for others self profit. We DEMAND SPS delete both 1099 C. It's bad enough we never received a loan as it pertains to the property located at XXXX XXXX XXXX XXXX XXXX SPS has issues TWO Separate 1099-c 's in the amount of XXXX each the two of us, This is Fraud and THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ XXXX  at around XXXX I discovered that my checking account was empty when I went to get something to eat on XX/XX/XXXX at around XXXX I drove to Truist bank ( fornely know as BB & T or SunTrust ) when I arrived at the bank I asked the bank teller at Truist if I could see my bank account details because my card balance said it was at {$0.00} and that did not make any sense to me and when the bank teller showed me my account history I immediately saw where {$1000.00} had been withdrawn from my checking account on XX/XX/XXXX ( 1 day prior to me discovering that someone had cleared out everything I had in my checking account ) upon me discovering that someone had made an unauthorized withdraw I immediately told Trust bank to shut my account down and I immediately drove to the local police station and filed a police report on the {$1000.00} that had been stolen out of my bank account and upon further review I noticed that there were many unauthorized purchases dating back to around XX/XX/ XXXX XXXX  in total I counted 63 unauthorized purchases that I never noticed because they were very small amounts until on XX/XX/XXXX when {$1000.00} was stolen from my checking account and after finding that out it was a total of {$1900.00} that was stolen from my checking account. I called Truist Fraud department everyday for 3 hours a day constantly being put on hold and constantly being treated like I did something wrong this has been a nightmare and Truist Bank has not corrected anything and Truist Bank has put me through XXXX and has done nothing except for reinburse me a measley {$200.00} of the roughly {$1900.00} that was stolen from me through unauthorized purchases and Truist Bank has fought me and made me feel like I did something wrong when it is Truist Bank who has put me through XXXX and will not correct what happened. 

The local Police Department where I live ( The XXXX Police Department ) has done everything they can to try to find out who did this but to no avail. The Detective assigned to my case did a very good job in trying to find the thief who stole from me but for right now he said this is going to remain an open investigation. And so when I called Truist Bank for the 30th time to tell them what is going on they still refuse to put the money back into my bank 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 explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have been getting constant Harassment and derogatory credit marks on my credit because of this company. I am a victim of Identity theft and made them aware with the proper paperwork and police report via notified mail. This is willful negligence and a violation of the U.S code 15 section 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent numerous dispute letters to Equifax to dispute the fraud inquiry 's on my credit report and they failed to respond or remove off my credit report. XXXX and XXXX has successful removed them but Equilfax will not respond. These fraud inquires are damaging my credit, and stopping me from getting in any type of credit or even a rental to live in. I have send in a police report numerous times as well and have yet heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

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 2021-10-23
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company XXXX XXXX entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXX in XX/XX/XXXX I check my credit and same company is trying to collect on same debt I called and XXXX is claiming that this new dept. from XXXX and reported in XXXX False False

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me.

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A payment was mailed to Home Depot with a 3rd party check. The statement was included with the account number highlighted. The check was deposited by Home Depot/Citibank XX/XX/XXXX. Proof was sent to Home Depot XX/XX/XXXX, they would not accept the written description in the " secure email '' so I had to use snail mail. I have been on the phone with XXXX ( not very nice ) she initiated the dispute, XXXX, XXXX and may other names I did not write down since XX/XX/XXXX trying to get my {$340.00} returned. They did not credit it to my account but someone else account. I have a dispute #, I have received an emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX & XXXX stating I must call to resole this refund. I call ( calls take 45-1 hour ), they refused to call me which I have requested via " secure email '' The last call I made was with XXXX XX/XX/XXXX during which he told me the check was returned electronically to the bank. I ask for the date and bank, he could not provide that information. Then stated during the same call oh wait it was mailed to you XX/XX/XXXX. I really do not feel I will ever receive my money back. Also to avoid late/finance fees to continue overpaying my Home Depot charge card bill even though they had proof they cashed the check because they could not find my money they lost. I have been told so many different stories that I am not sure what to do at this point. DO NOT USE HOME DEPOT CHARGE, EVER. Also they do not apply your payment to the 6 mos promo unless you specifically ask them to every month you make a payment. It is only applied to your general statement balance, what a scam

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 2023-09-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Stepped into Lobby of Bank of the West in XXXX, CA during normal business hours. I wanted to make a CASH deposit only. But the Bank Personnel informed me they couldn't process any CASH transactions because they were Transitioning.

Bank of the West is being taken over by B
MO Harris right now. But I never in my Life heard a Bank say " Sorry we can't accept your CASH ''. 

CASH withdrawals yes, but CASH deposits? The complaint is I was NEVER informed prior to the Merge that the Local Branches wouldn't be able to accept any CASH! I knew online access wouldn't be there but the Local Branches should be able to accept CASH deposits during normal Business hours, don't you think so? This is poor Bank Management.

So this is all of the complaint. But now a few of my online payments are gon na BOUNCE and its not any of my doing since BMO/Bank of the West couldn't accept a basic CASH deposit.

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 2021-10-24
Company: Galaxy Capital Acquisitions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Galaxy International Purchasing has placed and inaccurate charge off account on my credit report. I have explained to Galaxy international Purchasing via certified letter that I am not the rightful owner of this account and it doesnt belong to me. This inaccurate and illegal account has case harm and injury to me financially. This is not fair that Galaxy International Purchasing can continue to report this inaccurate and illegal account on my credit report damaging my credit worthiness. Galaxy International Purchasing has as violated the Fair Credit Reporting Act requirements by re-aged this inaccurate account. Re-aging any account is a violation of the FCRA. 

I have explained to Galaxy information Purchasing that I am no XXXX and I didnt give anyone permission to use my name or SSN to obtain financing or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be corrected promptly. 
XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00}

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 2021-10-25
Company: NAVY FEDERAL CREDIT UNION
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:
Please see attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
The CFPB. Is not in my opinion on the consumers side. NOTHING EVER CHANGES for the good of the consumer. Our Debt to income has gone down significantly and is a major factor in securing financing but over the years that never drops and credit scores remain under 600. Furthermore you do not read this you just ship it to the reporting agency who could dare less. By opinion you all work together to keep people in bondage. Example major auto debt and loans paid.but never reflected!!!??

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 2022-07-22
Company: EQUIFAX, INC.
State: PA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021

Company response to consumer: Closed with explanation