BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: FIRST PORTFOLIO SERVICING 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:
Re : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i I write to you with a heavy heart and intense frustration due to the recent findings surrounding my account. I am writing this formal letter to notify you of my intent to initiate legal action against Total Visa for the violation of my consumer rights under 15 USC 1681n and 15 USC 1681i. Despite my diligent attempts to resolve these issues directly with your company, my efforts have been met with disregard and neglect. I find myself left with no other option but to seek legal counsel and involve the XXXX State Attorney General due to the continuous violations of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Derogatory marks View all accounts COLLECTIONS Capital Acct Opened XX/XX/XXXX Overview You have 100 % left to pay on this collection. 
Balance {$130.00} Highest Balance {$130.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Opened XX/XX/XXXX ( 2 yrs, 5  mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information CAPITAL ACCOUNTS LLC This was a new dentistry in our town, who had bought the old dentistry  where we went for years. The new dentist automatically renewed the annual checkup for my wife and me. I went there for the annual service and the bill was send to my insurance company. My wife did not go there as she was out of the country and I told the dentist at my appointment. I received a bill for both services through my neighbor who forwarded our mail as we were out of the country at that time. 

I called the dentistry who told me that my appointment ( which they has set ) was one day before a year was out from my last appointment, so the insurance company would not pay. ( remember, they set the appointment ) I and explained that I did not feel responsible for that error and that my wife did not have that appointment, did not come for the service as she was out of the country at the time of service. They did not care and wanted to get paid anyway. 

Some time later they sold this debt to a debt collector : Capital accounts LLC. They called me once and threatened to sue me. I countered that I wanted to have them take me to court so I could explain to a judge what happened and they would stop harassing me. The person who called said : I see, you are issuing us a Cease and Desist notice. 

That was the last that i heard from them. However with the service I have : XXXX XXXX, it came to light that this debt is still in my history as not paid. As that can influence my credit rating of financial services : I want this debt removed from my history. Can you help with that? 
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 2023-07-31
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. 
I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. 

All terms were met and I had contacted them more than 10 times over the phone and spent hours and days on getting this {$400.00}. Finally they declined by saying the account was approved on XX/XX/XXXX which made me disqualified for the bonus.

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 2023-07-31
Company: Affirm Holdings, Inc
State: MD
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:
an installment loan was open in my name fraudulently, i tried to resolve it, i asked them for verification of this debt but never receive it, it was.chargedoff, and sold to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: LA
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 my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX. There also is a a collection account from XXXX XXXX, XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance

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 2022-01-05
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: Investigation took more than 30 days

Complaint:
The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: CA
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 to the fair credit reporting act 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: MD
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:
In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX  to a hostile zone ( orders attached ) during that time JP Morgan Chase reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to XXXX XXXX armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a XXXX XXXX, aboard a XXXX vessel, or away from their usual duty stations. I had requested through JP Morgan Chase to remove the item and through XXXX and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what JP Morgan Chase had reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Incomm Holdings Inc.
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:
During XXXX in XXXX, I purchased a {$500.00} Visa Vanilla gift card for my dad, but unfortunately, he was unable to use it. Both he and I contacted the Visa Vanilla gift card company to resolve the issue. They informed me that the card had been confiscated, but the money on it was still intact. They asked me to email them the front and back of the Visa gift card, along with my ID and the receipt. They assured me that they would work on resolving the matter and send me a check within 45-90 days. 

In XXXX, I promptly sent in all the required documents as requested. Case number XXXX. However, it's now been five months, and despite multiple calls to inquire about the status of my case, there has been no update. The call center representatives simply state that there is no new information on my case and are unable to connect me with the Visa Vanilla gift card dispute team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: ARVEST BANK GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response.
We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XXXX, I XXXX XXXX , used a western union location in XXXX , NY to send a total of XXXX ( {$140.00} +XXXX transfer fees ). XXXX XXXX. 

We were advised that the funds were never picked up upon our XXXX time calling western unions customer service line, approx 1 week later. We spoke with an individual at XXXX. 

It was to our unfortunate surprise that we heard the sad news of our friends passing which whom we were trying the send money to. 

As of XX/XX/XXXX, we were told in order to get our funds back we'd have to provide western union with his government picture id. 

We do not have the means nor do we want to burden the family with something like this for a business refund transaction. 

As per western union 's customer service advisement we were writing the letter of explanation to meet their requirements of the refund policy. 

We were met with another set of higher standards to meet in regards to now supplying an official death certificate from the family as of XX/XX/XXXX. 

As of XX/XX/XXXX the funds were never " picked up '' and we're finding these standards for the refund quite outrageous at this time. 

Death certificates should not be a requirement for a business refund transaction of this low level. 

In the attachments we will provide the exact email dialogue that we have had with western union 's  various representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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:
Multiple dispute attempts have been made to XXXX and Equifax to delete information this is not mine off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
I have attached 2 FTC reports with inquiries I did not authorize, please delete these inquiries

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 2019-07-28
Company: Experian Information Solutions 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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap 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 explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2022-10-28
Company: EQUIFAX, INC.
State: CO
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/2022 ) I 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. 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 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( 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 2023-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to request to have my pmi removed. I have filled out all of the information that they required and waited for hours on the phone with them. Constantly calling and getting no resolution. I am being told that I am denied a bpo request due to payment history when I have never missed a payment or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: ACIMA CREDIT, LLC
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:
I recently was denied a car loan due to the incorrect reporting and negligence Acima Leasing. They wilfully and knowingly reported incorrect and inaccurate information to the reporting companies. Acima Leasing is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1611 ( 1 ). They are reporting a vehicle lease on my consumer report which in fact it was not a vehicle lease it was a phone. They have made it hard for me to get to work with this wrong and fraudulent reporting. I have uploaded documents that I have sent them with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XXXX XXXX 2017, I went to my XXXX XXXX XXXX. I went to the customer service center to purchase two money orders. Upon letting the cashier know that I wanted to purchase two money orders, the store associate ( XXXX ) told me that she would not help me. Upon asking her why, she said that store management has decided to implement a policy against XXXX persons and people who look like me. I asked to speak to the manager ( XXXX ) who said that particular store did not provide customer service to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchase a vehicle on XX/XX/2021 with Wells Fargo. 

CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts I want to know if I qualify

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 2019-09-26
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a account from a unknown company that I have never done business with AARGON COLLECTION AGENY # XXXX Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in Cook County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
See document attached

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 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
i did called capital one been on hold for like 8 house everyday they called me a XXXX on phone call me a lair to i never have capita one before

Company response to consumer: Closed with explanation