BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: INTERCONTINENTAL EXCHANGE, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Invested in Bitcoin via US Company ICE ( The Intercontinental Exchange ) starting in I think XXXX. A few times adding up to like XXXX. XX/XX/XXXX last investment and then tried to sell. They said I needed to pay taxes first which I did for just over XXXX. Then after that I was expecting my sell transaction to go through but they came back saying XXXX required a deposit to verify the money and confirm no money laundering going on. They required XXXX... .I came up with half but I don't have the rest and I reached out to XXXX and they say they don't require deposit and don't freeze accounts, but ICE still says they need this deposit. So I may have been taken. Hope you can help, maybe verify if deposit is required by XXXX but email I recieved from them says no. BTW I was sent to you by Financial Crimes Enforcement Network of US Treasury. Balance at time was XXXX XXXX Dollars.

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 2023-06-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit management MCM XXXX called leaving messages. I am on the do not call list. They are harassing me. Please tell them to cease and desist all contact and calls with my immediately. Contact by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Experian does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Experian can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you.

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 2023-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Bread Financial Holdings, Inc.
State: MD
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:
15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 2023-02-07
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and saw that on XX/XX/2022 " WELLS FARGO DEALER XXXX '' ran my credit report. I did not authorize this inquiry. This inquiry has caused my credit score to decrease. I fear that my identity has been stolen.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU.S. Bankruptcy Court  XXXX XXXX Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary

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 2023-06-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX RE : Adverse Action To whom it may concern : I, the consumer and natural person, was denied credit by COMPANY NAME when I applied for a WHATEVER YOU APPLIED FOR. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received. 

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXXa / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a small business owner who banks with US Bank. I have a Business checking account with them. Recently, I deposited three checks from a customer, totaling {$3700.00}. However, all three checks bounced due to insufficient funds. As a result, US Bank has decided to close my account, which I believe is unfair considering the circumstances. 

To address this issue, I contacted customer service at US Bank and sought their assistance in enforcing collection from the customer. The customer claimed that the funds were not available, but later stated that they were and advised me to process the checks anyway. A customer service representative named XXXX suggested that I redeposit the checks through the ATM for reprocessing. Unfortunately, the ATM did not accept the checks, leading to the closure of my business account. 

In an effort to find a solution, I have reached out to both the customer and their banking institution. It has become apparent that the customer does not have sufficient funds to cover the checks. As a business owner, I believe that I should be protected by my financial institution when faced with bounced checks from customers. 

Initially, US Bank assured me that my deposits were insured and that I would not be held responsible for any consequent damages. However, the current situation is clearly unfair and unjustified, and I do not understand why my account is being closed. I kindly request guidance on how to navigate towards a fair resolution. Thank you for your assistance.

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 2023-03-08
Company: EQUIFAX, INC.
State: TX
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. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # XXXXXXXX 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 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 2023-06-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK
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:
PennyMac Financial Services has erroneously reported a mortgage on my credit report. I disputed the account through XXXX, and PennyMac responded by removing the account. However, PennyMac relisted the account without explanation. This has prevented me from purchasing a new home- XXXX denied my mortgage application in XXXX due to this account. I only purchased one home in XX/XX/2019 through XXXX, where I still reside. It's a three-bedroom home. My wife is XXXX  with our XXXX child, and the due date is expected in XXXX. We're running out of time to purchase and move into a suitably sized home. Please help and contact me with any questions or requests. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY! 

Ive submitted proof of Identification card, Social Security card proof of address and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: DISCOVER BANK
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX I had a XXXX for Discover in 2022. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XXXX of XXXX  for XXXX and XX/XX/2022 for Experian and XXXX. There was an error on their part. I was never 30 days late.

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 2023-03-09
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Asked back in XXXX how can I lower my payment. Sent me an application and address where to resend paperwork. Been calling to see if they received it now I'm informed that it's the wrong paperwork and wrong address. So they sent me paperwork to consolidate loan. I only have 1 loan can't get any information because they keep telling me I can find it online. Then was told to talk to student aid. Student aid tells me to talk to Navient. They have postponed my payment until XX/XX/XXXX pending paperwork. They told me can take upto 6 weeks. I have no idea where the 1st ( wrong ) application is with all my financial information is. I'm at witts end and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo gave me a high interest rate

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 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
tried online and had to sign up for account the said they would send by XXXX mail account login info

Company response to consumer: Closed with explanation