BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX University did not properly request funds from the VA after confirming I provided the documentation needed. The VA stated they never received the request, the school pushed it to a debt collector who is harassing me. The school it at fault for not requesting the funds or stating they needed more information from the VA. 

Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX XXXX XXXXXXXX {$3500.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due for Account ( s ) Listed XXXX XXXX {$3500.00} XXXX XXXX XXXX ( XXXX ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: DISCOVER BANK
State: FL
Product: Credit 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:
I am writing to express my concerns and seek your assistance regarding a recent dispute with regard to a charge on my Discover Credit Card for a coaching program purchased from XXXX XXXX. 

On XX/XX/2023, I enrolled in a coaching program offered by XXXX XXXX with the expectation of receiving valuable guidance and support to help my business achieve a sales target of {$30000.00}, as stated in their program 's terms and conditions. However, upon completing the coaching program, I found that the promised value was not delivered as agreed upon. 

Throughout the duration of the program, I diligently followed the guidance provided by XXXX XXXX, but despite my efforts, I did not experience the progress or results they assured me I would achieve. As the program concluded after four months, rather than fulfilling their commitment to work with me until I reached the sales goal, XXXX XXXX attempted to persuade me to enroll in another program instead. 

I am currently faced with a situation where I have paid a significant sum of {$8000.00} for a coaching program that did not provide the intended benefits or uphold the assurances made at the outset. Out of the total amount, {$5500.00} was charged to my Discover Credit Card. In light of these circumstances, I initiated a dispute for the charge in question. Discover sided with the merchant. Even though I did not get the intended value from the service they are saying in the contractual agreement there are no refunds. I believe my dispute is valid and grounded in the fact that the service provided by XXXX  XXXX did not align with the terms they initially presented, leading to a breach of contract on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
I have been trying to get Equifax to verify 3 collections on my credit report. I'm simply asking Equifax for the past 6 months to mail me the information used to verify these collections yet Equifax has failed to do so.

XXXX  and XXXX  has removed all 3 collections off of my credit report for the simple fact that THESE MEDICAL BILLS WERE NEVER MINES. Please DO NOT continue to UPDATE my disputes. I even provided a letter where XXXX XXXX XXXX stating " This does not mean that the dispute is valid '' yet only Equifax has kept it on my credit report.

Also the debt is 7 YEARS old and should be REMOVED for my credit report.

XXXX XXXX XXXX Account # ending in XXXX Account # ending in XXXX Account # ending in XXXX Plus certified letters I sent them to valid the debt and wasn't able to do so ...

XX/XX/2020 XX/XX/2020 XX/XX/2020 Please provide the information you used to VERIFY these collections are mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a Visa gift card issued by U.S. Bank National Association from XXXX on XX/XX/2021. I tired to use the card and failed. I called the number on the back of the card on XX/XX/2021, the representative told me the card has been compromised as the records showed someone tried to use the card several months ago before I even purchased this card in XXXX. I was told they will expedite the shipping of the replacement card at no cost to me. I just called them on XX/XX/2021, I was told there is not expedited shipping of the replacement, I will receive the replacement card though the regular mail. this is unacceptable, I was promised one thing and it didn't happen.

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 2023-09-11
Company: Genesis FS Card Services, Inc.
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:
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX STERLING JEWELERS INC/ XXXX XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft and I made my bank card aware of this capital one I had a card that wasnt even active and they allowed to charge to go on that card and I never even had a card in my possession. I didnt get a card from capital one until after the purchase and I showed them proof on my XXXX XXXX account that Ive already paid for this XXXX  ticket on my XXXX XXXX but they said that since I took too long proving that it was not my charge that theyre not gon na take it off my account and then I have to pay for it anyway. I didnt take too long because I sent them exactly what they ask for I replied to their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Affirm Holdings, Inc
State: AZ
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:
Account is being reported inaccurately to XXXX Account is missing data and reporting inaccurate history. Shows a 30 day late payment from the month of XXXX and account was paid and closed in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NC
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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently. I am requesting that the CFPB mandate that the credit bureaus delete all addresses that are not current IAW 16 CFR Part 641 or else file suit based on violation of law.

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 2023-08-24
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX  Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Cumulus Funding LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Several issues have been identified on the data hosted at " XXXX XXXX', which is a domain leased from XXXX. 

XX/XX/22 - emailed XXXX in regards to XXXX errors, page errors, security threats on portal.hello.align.com, found a file in the page sources w names of individuals ( attached to this CFPB claim ) XX/XX/22 - emailed XXXX in following identification of potential security threats hosted on XXXX may follow up : XXXX given address from customer service/3rd party representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or omit them immediately in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It was recently reported on my account that I had a derogatory account with Eastern Connecticut Account. I have never received anything regarding a missing payment to my New York address. This is regarding an XXXX XXXX payment for XXXX dollars. This was a charge from XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX at the time as I was under my father’s insurance. 	I received a few phone calls in XX/XX/XXXX from *XXXX Fraud Alert #*, I obviously did not answer. I had a voicemail saying to please call and confirm a social security number. I XXXX Eastern Connecticut and saw extremely negative reviews. My concern regarding giving them my personal information only began to grow. When I called back I instructed the representative that they showed up on my phone as fraud. Then the representative began to instruct me on an XXXX XXXX debt. I asked from when was this from, they said XX/XX/XXXX. I asked her if XXXX XXXX put my insurance in. XXXX XXXX XXXX XXXX XXXX in and out of state number. I know that my insurance would have went through, as I had XXXX XXXX XXXX and had numerous bills that were all covered. I instructed her to reach out to the XXXX XXXX and try to submit the claim or call me back if there were any issues. I didn’t feel comfortable just making a payment to this organization, especially after the reviews and the type of infection I had during that time. When the organization never called me back, I assumed that the XXXX XXXX had taken care of it.	After I got an update from my XXXX  app on a negative report to my score, I saw it was Eastern Connecticut. I immediately called Eastern Connecticut, and left numerous Voice Mail Messages. I had one representative hang up on me multiple times, when I was trying to explain I don’t live in Connecticut. After finally getting through to one representative, I finally paid the XXXX dollars. I asked if they could send a report to your company saying they didn’t have my address and the person laughed at me over the phone. He said, “Why would I help your credit score”. He said, having a phone number is sufficient enough to report someone as a derogatory account. 	This organization is taking advantage of people and I don’t want my credit report to be negatively reflected by this. XXXX even reported their entity as fraud. I did pay this organization, however extremely reluctantly. I have attached a copy of the receipt. Please, if your organization can update my credit score and remove this derogatory account information. I have never missed a payment on any of my accounts. I have a number of student loans that I’m trying to pay off, and this negative credit score will hurt my future in receiving a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation