BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-20
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:
In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, XXXX, Experian removed this fraudulent account from my report. In XX/XX/XXXX, Experian put this fraudulent account back on my credit report and now this account and Experian is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and Experian is causing harm to myself with much added stress.

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 2021-06-20
Company: Professional Credit Management, Inc
State: TN
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:
Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from 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 2023-10-25
Company: AMERICAN HONDA FINANCE CORP
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off my XXXX XXXX XXXX in XXXX of XXXX. Was told my title was mailed out to me within the next 15 business days. Never received my title. Continued to call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX every week for 7 months straight. Have been told it was getting resolved by a new title being issued and mailed out. Still never received title as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: MN
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from Midland Funding LLC/Midland Credit Management almost daily since XXXX. The first call occurred on XX/XX/XXXX at XXXX XXXX from the number XXXX ( XXXX ) XXXX, which called again on XX/XX/XXXX. Over the past two months, the other numbers potentially belonging to this company ( or being spoofed by it ) that have called me include : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX All of these numbers leave messages that are either empty air, no one speaking but background noise that sounds like an office, or static and one person saying " XXXX '' then hanging up. There is never any information about who is calling, why they are calling, or how I can get in contact. My name is also not XXXX, and I have not co-signed on any loans or other financial agreements for anyone named XXXX. My credit history shows no sign of tampering or fraud and I know exactly who I owe money to and why, and Midland does not own any of my debt ( I've never gone into default or bankruptcy and carry a small debt load ). 

In XX/XX/XXXX I started getting text messages for someone named XXXX XXXX from what seemed to be payday loan companies. Those texts continued through this XX/XX/XXXX, and I logged each of them with my phone company ( XXXX ) as spam. The texts did not come from identifiable phone numbers. 

I've blocked the numbers listed above, but before I did so I attempted to call back and speak with a representative of the company to let them know they had the wrong person 's number. The phone calls dropped immediately and I wasn't able to contact anyone. 

Midland seems to be rotating through numbers in order to get around any blocks. The same number will call every other day for a week or so to leave messages for XXXX, then a new number will call leaving the same messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681s-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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 at XXXX XXXX eastern time at the Bank of America on XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX I deposited {$1000.00} cash and the atm returned {$400.00}, I attempted to deposit the returned {$400.00} and the atm said the cash could not be returned or accepted. Still, it has not been credited to my account and Bank of America has been unresponsive. After reading online similar experiences from over 20 previous Bank of America clients that said the same thing and never got their money back I am very concerned that the same will happen to me. My rent is due in a few days and I would really like my money back into my account as I pay my rent electronically.

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 monetary relief
Consumer complaint received 2021-06-19
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX I contacted US bank to dispute fraudulent charges. Was told my card was blocked but they continued to allow charges to go through for 2 days XX/XX/XXXX I was notified a new card was being sent XX/XX/XXXX I was notified another card was being sent XX/XX/XXXX I receive a card with the exact same number as previous card. 
XX/XX/XXXX I contacted bank and was told anothe card was issued due to mistake. They blocked this second card and told me that they would 2 day me a new card which should have arrived today XX/XX/XXXX I am told the card should arrive tomorrow XX/XX/XXXX no card is received I called and was told that there was no rush put on the card and I would have to wait for regular mail. 
Spoke to XXXX XXXX and was told I would have to wait for card and that was it or I would have to pay to wire money to a new account and pay for it. She refuses to reimburse me for this. 
I was lied to on numerous occasions and now Im sitting here with no acces to my money to buy groceries or gas meanwhile I am a single mother to a XXXX XXXX XXXX son and I need to buy groceries for him and get gas in my card. I was transferred from one person to another with no resolution to my issue. Us bank does not care about its customers and is holding my funds XXXX due to them not being able to do their job correctly. Was told that they would pull the call records and couch the banker that told me the lies. I am so disgusted. I am also 100 % XXXX veteran with XXXX and this whole situation has aggravated my condition.

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 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ONE ACCOUNT- XX/XX/XXXX - XX/XX/XXXX -- -- - ACCOUNT TWO -- XX/XX/XXXX -- XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX  Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Receivable Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told that my bonus would be placed on there on XXXX separate occasions. I called on XX/XX/XXXX and XX/XX/XXXX and both times was told its on there and to wait XXXX weeks and its been more than XXXX weeks and nothing. I called again on XX/XX/XXXX and was told I am not eligible for any offer. I was told when I signed up my bonus would be XXXX bonus points after spending XXXX dollars in the first 3 months. I hit this milestone and then I was told to wait and it would be awarded and it wasnt and then I was told it wouldnt be awarded and wasnt a promotion for this card. I have the Southwest rapid rewards plus credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Westlake Services, LLC
State: GA
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:
I didnt not sign a contract or did any business with westlake

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 2023-01-13
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have tried on many occasions over the last few months to access my old cashapp accounts ( I have rotated through several different phone models lately and all have required a re-installation of the cash app ). Every time I reach out to the company to get access to my prior wallet, they tell me they can not provide access and that I should open another account and they will automatically identify any prior accounts I have and migrate any balances. That has NEVER happened. All I want is for these scammers to provide me with a list of ALL transaction TO and FROM my accounts. I've provided them all the necessary information they require to validate me as the owner of the ( NOW ) XXXX accounts. All the customer service reps refuse to provide me the information- under the pretense of " security ''. I gave them personal information to create the wallets, all they should need is the same personal information to provide me access to my old funds, they are refusing to do so and keep making me open more accounts- which actually does not resolve the problem and only adds to the confusion by creating MORE accounts. 


Their response to my prior complaint is a circular argument. They say they can not provide me access to my prior accounts because they can not validate me as the owner, yet to validate me as the owner, their only mechanism to to request prior account credit card information that has since changed because the credit card used on the prior account no longer exists. They need to have ACTUAL HUMAN BEINGS involved in the account verification process. All they provide is a chat window. I want to speak to a live person that can identify me as the owner of all my prior accounts ( that have balances they are withholding from me ) using means other than old credit card numbers that no longer exist. That is not a valid means of identifying an account holder, they have my other personal and financial information such as my birth date, my social security number and my banking information ( which has NOT changed ). They are preventing me from accessing my funds because I no longer have the old credit cards used to open my prior accounts, yet they can easily verify my identity using other means and refuse to do so in order to keep the funds in my prior accounts for themselves. 

The CPFB needs to look more closely into the practices and policies of this company, as they are essentially scamming funds that do not belong to them. Are they even reporting into the public database of " abandoned property '' that states require institutions to submit? If my funds are no longer accessible because they can not identify me, then they should hand them over to the state so I can claim the funds from the state- and they should provide a means for me to do so as part of their failed account verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: OH
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 no knowledge of this account, XXXX XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 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 2023-06-01
Company: Experian Information Solutions Inc.
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

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 2021-06-19
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: Their investigation did not fix an error on your report

Complaint:
THIS IS XXXX XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF.I DO NOT HAVE A THIRD THIRD PARTY. I AM STATING THIS BECAUSE I HAVE RECEIVED REPLY BACK WITH A STALL TATIC THAT THEY USE TO PROLONG THE PEOCESS AND I WILL USE ALL DOCUMENTS IN EVIDENCE IN MY LAWSUIT. I HAVE SUBMITTED NUMEROUS LETTERS ON NUMEROUS OCCASIONS TO COMPANY AND CREDIT BUREAU AND ISSUE WAS NOT RESOLVED EXPLAINED OR VERIFY AT ALL!!! I WOULD LIKE THESE UNAUTHORIZED/FRAUDULANT INQUIRIES AND ACCONTS AND ADDRESS REMOVED FROM MY CREDIT PROFILE

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