BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

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 2017-11-05
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order COMMONWEALTH FINANCIAL SYSTEMS to make recompense and pay redress and compensation for their trespass against me. COMMONWEALTH FINANCIAL SYSTEMS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I reconciled my checking account XXXX XXXX, XXXX and found {$520.00} missing from my checking account for XXXX and {$0.00} missing from my XXXX reconciliation. I opened my account XXXX XXXX. I explained to Capital One employee 's XXXX XXXX, XXXX at a branch and spoke to their customer service on the phone. And explained to them that they need to find and put the missing funds immediately into my personal checking account. They have refused to do so. 

They refused to provide me with an email address, fax number or mailing address to send them my reconciliation findings when I spoke with them over the telephone. I explained to them they are committing embezzlement, strong arm robbery of my funds. I went online and found the fax number off their website and faxed the attached documents to them XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute as I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.

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 2017-11-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I had a hard imquiry post to Experian, XXXX  and Experian from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and Experian. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus

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 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 'm trying to open an account with XXXX and fund it with my Capital One XXXX account. XXXX stated online that Capital One is blocking my ability to use external applications to access my financial data therefore I can not open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Global Lending Services LLC
State: OH
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:
I have multiple inquiries on my credit report that I did not authorize from XXXX XXXX XXXX XXXX XXXX, global lending service XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They terminate my Lease, i had a deposit of {$2500.00}, they return me a MO of {$4000.00} that i was made, i give them the house key and everything, and now they said that i owe them {$4700.00}, I will add the document that they send me with the Money. 
Now I have as a collection in 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 explanation
Consumer complaint received 2017-12-28
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: Account information incorrect

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone found my lost banking info and tried depositing a fake check into my account in 2017. I contacted the bank and also the XXXX XXXX XXXX. Im fed up at this point. I cant open bank accounts nowhere and its frustrating. I need this to be deleted from my credit profile. Bank of America still cant give me solid evidence of this action.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA 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 2022-04-25
Company: EQUIFAX, INC.
State: GA
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:
Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Equifax is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX

Company response to consumer: Closed with explanation