BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 at XXXX I received a call from the telephone number XXXX there was an automatic message that said this was my last chance to pay them and solve a problem or they were going to sue me and withhold money from my paycheck. The recording said if I wanted to speak with a live agent to press the # 1. I did so and XXXX at extension XXXX came on the line. XXXX said that he was with XXXX XXXX XXXX XXXX. He said that their company pays all three credit bureaus to hold accounts with them and that they had the ability to collect. He said that his company had all of my information including my social security number, bank account, and where I was employed. I tried to explain to him that I do not owe a debt with them or Allied Cash Advance. He still insisted that I did and continued to threat that they will take action. They are making false statements and representation, trying to collect wrongfully on a debt that is not owed. They threatened to contact my employer and withhold money. They continue to contact me after I have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Kikoff Inc.
State: AL
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:
Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am the trustee of a trust set up by my brother-in-law who passed away XX/XX/2023. I received a letter from Discover, dated XX/XX/2023, informing that an application, number XXXX, was denied due to no credit record available. I did not apply for this card. I know his daughter and granddaughter do have his personal information. XXXX suggested I file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Notice to the Consumer Financial Protection Bureau For violations of the Consumer Financial Protection laws by XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and the violators of the consumer consumer laws of the United States is XXXX XXXX XXXX and the Employer the office of Hayt Hayt and landau LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX. They have violated the Consumer Financial Protection laws by not providing verification of this alleged Debt with account level documents as I have requested, Pursuant to 15 u s c 1692g and 1692 CC along with your requirements from your XXXX case and your XXXX XXXX XXXX case.They have chosen not to verify this alleged Debt with account-level documents and they refused to cease and halt all collection activities until verification has been obtained by the original creditor in this fractional Reserve banking system.They have continued to pursue collection activities with a lawsuit add XXXX XXXXXXXX XXXX Magistrate Office at Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX the second Violator of the laws of the United States which are the Consumer Financial Protection laws is Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX. In the unverified case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC they know with verification is along with halting all collection activities until verification is obtained by the original creditor with account-level documents. XXXX XXXX should know all this but if he doesn't know now he's on notice. I will provide a copy of the verification of the debt letter with this complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
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:
account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Equifax. 

thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services/ LVNV Funding LLC has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. This is my last correspondence before legal action follows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX 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 2023-08-11
Company: ROBINHOOD MARKETS INC.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood has put a bogus restriction on my account. They have hundreds of thousands of my dollars frozen. I have repeatedly tried contacting robinhood through phone and chat support and have been told there is nothing the support team can do. Unbelievable that Robinhood feels it can steal clients money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan number is XXXX. I sold the home and it closed on XX/XX/XXXX. Payoff funding occurred on XX/XX/XXXX. As of that date there was an escrow account balance of {$1500.00} owed to me, the seller. Mr Cooper confirms this, and I have the account statement showing this escrow balance. I began contacting Mr Cooper shortly after that about the refund. I have contacted them at least 14 times by phone, each time confirming that the escrow refund is due to me, but with multiple conflicting stories of why I haven't received it. I have a detailed phone log, and all documents, to corroborate my complaint. I again contacted Mr Cooper today, XX/XX/XXXX, and am still attempting to get the refund. I still have not received my escrow refund, over eight months post closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Upgrade, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Upgrade continues to call me over and over Mutiple times in one day. In the past 2 days they have called me and left messages 8 xs. I have already explained to them that I am having trouble paying and am out of work due to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I payed for service to XXXX XXXX XXXX for catalytic converter replacement, o2 sensor replacement, an oil change and labor. I received the the catalytic convert part but no service including install or any other parts. I have tried to get the service for over a year with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I was reviewing my checking account when I noticed abnormalities. I found that when I used my debt card to make phone payments and other transactions that instead of taking the money out of my checking account which was well funded U S Bank would make a fictitious account in the exact amount of the charge. Next they would charge this fraudulent account ( I say this because I never authorized any other accounts ) a fee of {$19.00} which isn't explained so that when they did attempt to pay the bill there would be insufficient funds ( by {$19.00} ) and I would be charged a overdraft fee.

On one instance on XXXX I got a {$620.00} bill from my home security company, instead of taking the funds from my checking account ( which held over {$4000.00} that day ) after the fees this {$620.00}. bill cost me over {$800.00}.

There were many other examples of this but when I brought it to the attention of XXXX XXXX at US Bank they blocked my access to my account history. They changed the fees to unexplained amounts but the account balances both before this transaction and after still show {$860.00} difference for a {$620.00} charge. They have denied me access to my moneys in my account ( theft through fraud ) for years and have actually hacked and made my files inaccessible. I need help dealing with this institution. I want ALL fees returned, an amount equal to what has been removed ; with interest, attorney fees paid, and a {$100000.00} tax free cashiers check as punishment. Doesn't sound like much but at this point I'll settle without court. If I have to argue this the all costs will become much higher. 
Thank You, 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
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Capital One Auto located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2021-06-23
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX  credit check run was done by Capital one on XX/XX/2021 There were 3 different hard inquiries by Capital one on XX/XX/2021, XXXX XXXX, XXXX on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the US and I haven't requested credit inquiries or used my credit cards during this travel. 
I am contacting the companies to inform them about the fraudulent activities. 
In addition to that, I have contacted XXXX, XXXX, and XXXX to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My nightmare began with Robinhood when I tried to communicate with them because I was not having access to my account. I left messages to no avail. I wrote them a certified return receipt letter requesting my account to be closed. The letter was written and sent on XX/XX/2021. Robinhood never replied ; therefore, on XX/XX/2021, my attorney sent them a letter requesting the account to be closed. Robinhood never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted extensive XXXX Medical Documentation and documentation of XXXX from the United States Office of Personnel Management, as I am a XXXX  XXXX employee from the XXXX XXXX  XXXX XXXX XXXX. These payments were on deferral during a 2 month period. However, XXXX  and the credit card company refuses to recognize the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-06-23
Company: EQUIFAX, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
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:
Fraudulent charges were made to the following accounts and fraudulent inquiries. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXXXXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXXXXXX Account number XXXX Fraudulent inquiries : Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Fraudulent inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: In progress