BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXXXXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2020-10-08
Company: KEYCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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: Personal information incorrect

Complaint:
Problem with EQIFAX I tried to obtain an increase in my credit card on Friday, XX/XX/XXXX, with XXXX XXXX XXXX. They told me that there was a problem with EQUIFAX, so, I called them. First I got someone in some out of the US and could not understand that person, then they transferred me to a person who was suppose to be in the US named XXXX  # XXXX, who asked me some questions so he could open my account-2 things  happened then one was I could not understand him and secondly the answers to the questions were so outdated I never could have answered them being they were not current. An example is my employer in roughly XXXX and now i am retired. So, how would I know they were using data that old? So, after that I spoke to a XXXX  # XXXX, then XXXX # XXXX and a XXXX who would not give out her number-too good for that!! None of them could help [ resolve this situation over the phone!! I tried to file a dispute on line and their website would not allow for this dispute. 
This organization is a JOKE!! and they control MY CREDIT? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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 have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had charges on my card that I did not do and theres no way I could do them because I was at work. They denied my claim now Im stuck and cant pay my bills because they dont have extra security for there bank which is US bank

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 2022-04-27
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX four transactions were made with my cash app card information in XXXX XXXX NY at XXXX the transactions were charged by XXXX. First transaction was made for XXXX, second transaction was for XXXX, third transaction was made for XXXX, and fourth transaction was made for XXXX. 

I immediately messaged the Cash App customer service team who declined to cancel the pending transactions and asked for me to contact the merchant. I contacted the XXXX in XXXX, NY which advised scammers are using cash app card info for fraud. The merchant XXXX advised to contact Cash App directly to cancel pending charges. Cash App customer service advised to allow transactions to settle and dispute them. As requested, once settled on XX/XX/2022. I submitted disputes for the 4 transactions and other attempted transactions that were declined due to me disabling the card via the cash app application. Cash app advised they would tend to the disputes between 7 - 10 business days. On XX/XX/2022 I was contacted by cash app via email addressing the disputes for the attempted transactions and failed to address the disputed transactions with the actual charges. I responded and advised of the 4 transactions and disputes I submitted that settled. No response from cash app. On XX/XX/2022 a cash app representative addressed the dispute submitted and responded with At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. I responded with the dispute IDs given to me for the unauthorized transactions made with my card information and explained the situation. I received no response from the cash app rep. Today marks the 13th business day since the disputes and no action or update has been provided regarding the disputes submitted in the amount of XXXX $ +. When messaging the cash app team through the application I am advised of no updates. This is beyond frustrating as there is no solid communication with this company and transactions were not cancelled as requested to avoid the fraudulent charges made by someone in a different state which I have never traveled to. Today I have reached out to the cash app team and received the response that my dispute has been addressed. I received no communication in regards to the disputes submitted for the aforementioned. Reference numbers which were dismissed and not addressed are as follows : [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] Please help get me the money which was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Aqua Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a company contacting my mother called Aqua Finance in regards to a payment. When they asked for her, I informed them that she unfortunately passed. Then they said she owed a payment and I stated she passed thats why it wasnt made. I told them Im on a fixed income and can not pay this loan. Then they said that they are looking for the co-signer and I inquired as to whom that was. They asked for me. I said to them, that I never co-signed anything with my mother. I asked for a copy of the documents to see a signature. I asked could I have smaller payments until we can resolve this situation because I am not responsible for this account and they have not provided any documents yet. Nor would they reduce to affordable payments until it can be proven I was not obligated to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX LAST SS # XXXX DOB XX/XX/XXXX XXXX XXXX is reporting negative activity on my credit report with no phone number so I can't reach them I don't know who or what company this is I'm in the process of purchasing a home an if this causes me not to be able to purchase my house they will be held liable I have a fraud alert on my credit report since XXXX if anything that involves my credit is being reported on my credit report without providing information of proof that I was contacted and was the confirmed person that was applying for this account then this account is not a valid account and credit bureaus should not report it on my credit This is a Service of notice to all three credit bureaus that I don't know this Company and All three Breaus are aware of the fact that I'm a victim of identity theft and of they report this Company on my credit report they will be held liable and will be litigated to the fullest extent 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 explanation
Consumer complaint received 2020-04-23
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 the amounts are the following : {$31.00} and {$81.00}. The company stated it takes 5 business days another stated it takes 4 business days for pending transaction to remain in pending but the bank information states 3 business days. The representative was asked to released the {$31.00} because it will not be shipped due to the Covid 19. They refused. This has happen several times with this bank causing NSF in my account. The bank representatives was read the disclosure verbatim and was told were to find the disclosure.

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 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for a validation of debit and was sent a full medical bill which is a violation of Hippa! It had exact procedures when I know about the Hippa law and I know I didnt go to the hospital nor sign a Hippa release form giving permission to let a debit collector get my medical records!! I am behold disappointed and plan on hiring a legal team for my pain and suffering!! This is the only negative item I have on my credit! Im very upset and have been battling this for over a year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Convergent Resources, Inc.
State: FL
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 am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. 

This isn't my account, how can they say I owe them if I never did anything with them?

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name 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 2022-04-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I opened up a Citibank Checking Account through their website to take advantage of an offer they were having where if I deposited {$15000.00} they would give me {$400.00}. 

Currently, that offer is the same right now on their website, deposit {$15000.00} but this time, it's only a {$300.00} bonus. Either way, the fine print is the same. 

So after a few months of not getting the bonus, I reached out to them to see what was going on. They responded with the attached document that I saved. The customer service representative after looking over my account verified that I would receive the bonus on XX/XX/XXXX. 

" XXXX : as i see you have funded the account on XX/XX/XXXX so you will receive the bonus on XXXX XXXX, XXXX '' XX/XX/XXXX came and went and so I messaged them again and they said that they are denying my bonus. 

My husband did this exact promotion at the exact same time as me. He got the bonus. I didn't. I don't know why they're refusing to pay me the bonus that was per their terms and conditions. 

I was going to attach their reply to me but for some reason they deleted it on my 'secure messages '. Not sure why. It was case # 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 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: College Ave Student Loan Servicing, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
College Avenue student loans calls me multiple times a day trying to collect money from me for my birthday exs loan that I co-signed years ago but we are no longer together. I never received any bills or paperwork from them. I dont even know how much the bill is for. Ive asked them to not call me at work, but they repeatedly call everyday. I just want them to stop.

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