BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-08
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: Account information incorrect

Complaint:
As of XX/XX/XXXX, my student loans are forgiven and paid in full. My tradelines are still reporting that I currently owe XXXX which they have been forgiven and paid in full. Attached are the documents proving that these loans are paid in full.

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 2021-10-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to resolved this matter on 3 different occasions and nothing has been done, I have exhausted my resources and I demand this fraudulent account to be removed immediately. I have submitted an affidavit to back up my claim and to my understanding an affidavit stands as TRUTH if not rebutted. Please help me stop unfair debt practices from LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I closed my secured account with capitol one on XX/XX/. They sent me a check in the mail for {$200.00} it got destroyed and I asked for another one and they said that they could not find my account and still owe me {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SINCE WE made contact, I spoke with XXXX  at common wealth aka debt collector in Texas. I told them exactly how and why I'm being charged for a {$45.00} x-ray and not XXXX XXXX. Anyway where the XXXX did common wealth or whoever before them made a {$45.00} x-ray could cost so much?! I explained to XXXX that I'll pay the owed debt of {$45.00} dollars for the x-ray and offered to go ahead and pay XXXXXXXX XXXX and call it even. We refused many times for showing me to make a payment. He continued refusing my requests replying with I can only pay the full amount that's it, no questions asked, no answered questions. There way or the highway. I offered to pay the original owed debt that doesn't even belong to be. And pay extra on top of the owed debt that doesn't even belong to me from the beginning. 
Thank you for the help of these corruption medical/credit industries, theft, fraud, identity scams PREVIOUSLY SENT TO YOU I was under the authority of XXXX XXXX sheriff 's department I was XXXXXXXX and under their supervision I denied Medical Services numerous times and against my will they forced me XXXX me took me to the hospital ran a bunch of x-rays on me claiming my bones were broke in which they were not and now they're trying to make me pay for it I don't think so they need to go after XXXX XXXX like I've stayed in multiple times under multiple disputes that I am not responsible for any of that after time and time again I refused everything and I'm tired of the harassing voicemails calls during work Church all hours of the day and night I'm just fed up and you guys are my final hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because of apparent inaccuracies. 

First, this account was deleted from XXXX but XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? 

The date of the last activity does not match. XXXX is reporting the date of the last activity as XX/XX/2023 while XXXX is reporting XX/XX/2023 Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are apparent inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Caine & Weiner has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information, a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal 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 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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:
I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from capital one today. I have no applied for a capital one credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank Capital One. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from capital one or anything. I do not have any accounts with capital one and I have never applied for a capital one card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
absolute resolution called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I received a text and an email from Chase Bank verifying a purchase I made. I approved the purchase via both methods. Later in the day, I attempted to make a purchase ( {$95.00} ) from XXXX XXXX and the transaction was declined. When I contacted Chase the first time, I was placed on hold with dead air for 20 minutes. This happened a 2nd time. The third time I called, I made it very clear that I needed to speak with a person right away. I was connected with fraud prevention. I explained the situation to the specialist.

The specialist had to verify my identity, however in order to do so, they had to call me on my cell. I explained to the specialist that there was a call filter on my phone which prevents XXXX numbers from being able to contact me ( due to the amount of spam calls, etc. ). They tried anyway and then stated that I would have to call THEM back. I called the number given and received another specialist, in which I had to explain the entire situation again. This person asked if I could remove the call filter. I notified them that I could try to do so, however there was no guarantee that it would be in effect immediately. XXXX sent an email stating it could take up to an hour. I called fraud prevention a 3rd time and was told that I had to go to a physical branch.

Upon going to the branch, the two gentlemen called fraud prevention and asked to speak to a supervisor. The supervisor then spoke to me and attempted to call my phone again, after explaining for the nth time that there is a filter on the line. The supervisor then asked me to call them ( again ). I did so, while the two Chase employees stayed on the phone with the supervisor. This time, the specialist I was talking to verified my identity with one of the credit cards I hold with Chase and via all the purchase amounts within 24 hours. The supervisor was then able to verify my card was unlocked. 

I went to make the purchase from XXXX XXXX again and the card was still locked. I called Chase again, asked to speak to a supervisor, who said that they could only verify my identity via my phone number. I had to call the branch again and the gentleman who helped me previously had to call fraud prevention AGAIN and resolve the issue. 

I could have been in an emergency situation needing to order a rideshare service and wouldn't have been able to with my card being locked. I had verified the purchases. This is MY MONEY and access to it is my right. By denying me access to my funds and having ridiculous methods in place to verify an identity without a backup method on the organization 's part is disturbing. After this ordeal, I will be pulling my business from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: UT
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:
accordance with the Fair Credit Reporting act 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

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 2023-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint in response to the recent investigation. I do not agree with your findings and I am demanding complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance : {$2100.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been updated or erased. Once this has been accomplished, please forward me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX  : Recieved a notice of Garnishment from local court from XXXXXXXX XXXX XXXX. I had not been previously contacted by them for possible legal action. 
XX/XX/ : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/ : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/. I also recieved a letter that same day stating XXXXXXXX XXXX XXXXXXXX was going to debit {$75.00} from my bank account. 
XX/XX/ : XXXXXXXX XXXX XXXXXXXX is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX I started to get vice messages about and outstanding bill from a company called GenesisFS card services. 
XXXX XXXX  I them and found out that they have an outstanding balance on a credit card but they figured out that it was fraudulent. They told me to report it to Federal Trade Commission and send them a copy of the report. 
Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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 status incorrect

Complaint:
As per the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., I have identified an inaccurate medical account that has been reported by XXXX The inaccurate information includes incorrect dates, amounts, and other details that are not reflective of my actual medical history. This inaccurate reporting has had severe repercussions on my credit score and has hindered my ability to obtain financing and pursue my entrepreneurial aspirations. 
Under the FCRA, creditors and credit reporting agencies are required to report accurate and verifiable information. The inaccurate medical account has violated my rights under the FCRA, causing significant harm to my creditworthiness and financial prospects.

Additionally, as per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I am entitled to protection against unfair and abusive debt collection practices. The inaccurate medical account has been reported by [ Name of Collection Agency ], and their actions have resulted in the violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: WELLS FARGO & COMPANY
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 XXXX XXXX an EFT via a debit card transaction thru VISA was authorized to a merchant known as XXXX XXXX XXXX in the sum of {$540.00} in settlement of a reversionary security interest, under duress by a former XXXX  in XXXX XXXX, Wi. The EFT was not cleared until XXXX XXXX, by Wells Fargo Bank, both the VISA debit card issuer and acquirer bank according th a VISA Financial Advice report in XXXX. 
But for the late processing of this EFT, the depositor was arrested and was in a Florida jail for 5 days on XXXX XXXX. Realizing that the depositor authorization under Regulation E the EFT, Wells Fsrgo Bank was subpoened on XXXX XXXX to produce documents. Wells Fargo Bank attorney, after being subpeoned on XXXX XXXX, stated the EFT was paid under Regulation E onXX/XX/XXXX. However due to a police incident report, closing this matter in XX/XX/, XXXX erroneously issued bench warrant for appearance and extradition to Wi.The false imprisonment due th Wells Fargo Bank mishandling for over 90 days and attested by Wisconsin Supreme Court was final paid on XXXX XXXX three days before the false imprisionment started.

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