BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: AZ
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:
Equifax Information Services LLC stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Equifax Information Services LLC. has violated my rights. 
1

5 U.S.C., 1681 Section 602 A. States I have the right to privacy. 15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following items are violations : Equifax Information Services LLC : XXXX XXXX XXXX XXXX Name of the original creditor, Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
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 have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction

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 2018-06-01
Company: Prosper Marketplace, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX  XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Fold, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Fold, Inc debit card account which is serviced by XXXX XXXX  and offers XXXX rewards. On XX/XX/2023 Fold locked my account and have refused to communicate since despite several support tickets and phone calls all of which have been ignored. My balance on the card is now unavailable and the app will not allow me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Recently my card was skimmed and I was hit with fraud my a company going under the name XXXX XXXX, a simple XXXX of that name, that is present in the transaction description yields hundreds and hundreds of results that show that this is a common fraud. My card was in my possession when this unauthorized transaction occurred. There were two others ( which the bank refunded after I disputed ) HOWEVER the bank refuses to dispute this for me, customer service is unreachable, and the bank teller I spoke with was entirely unhelpful. This {$42.00} error cost Suncoast bank a mortgage, which I then took to another company ( XXXX XXXX XXXX as I did not trust Suncoast. I withdrew all of my money out of suncoast ( about {$15000.00} in the last 90 days ) and am not transacting with them anymore. Refund me my money Suncoast, so I can move on and close my account with you. 


transaction description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transaction ammount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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:
1 ) The docket on the bankruptcy is incomplete. The last 3 characters, ( XXXX ), is missing from the credit report. Also, the court name is incomplete and the state of the court is missing. The correct name of the court is 'US Bankruptcy Court Northern District of Georgia XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened in XXXX of XXXX but none of the payment history for XXXX is provided in the payment history. Please provide payment history for XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

XXXX ) XXXX XXXX XXXX ( XXXX ) does not provide payment history of original account. I've attached the payment history to be updated.

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 2017-09-05
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
a- all of the prior above. 

" the gecko wont leaf me alone.Ive thrown him off the empire state bldg and he keeps hounding me for money. " -hedgehog seriously. WERE DONE with companies so claiming that they " support veterans ''. first XXXX and now XXXX have extorted me, not processed payments correctly, overcharged me, etc. 

4 months straight I was billed 2x normal rate. When I had enough, I terminated the policy and switched to someone else. XXXX has beeen harrassing me since. XXXX XXXX TN FBI XXXX has been notified.The extortion continyes w false statements to my credit file and unlawful debt collection activities by third parties. Their fax machine wont reliably maintain the connection. XXXX XXXX WILL. SO SERVED IN COUNTERCLAIM.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
II first I like to explain what is going on on this Pandemic days I as independent home office working from home we need to deal with make transactions online business so I am facing dealing with people who offer services and TRUST them I have 'no choice ' and have to pay at front since they require payments at front to deliver services, to keep going our home business I sent XXXX payments via zelle thinking since zelle is bank to bank transfering money I was protected in case the people dont deliver services I paid {$2900.00} plus {$2000.00} plus {$500.00}, guess what was scam in less than a month I sent money to people i do not know or trust. also they tricked & persuaded me into sending the money, or promised that I would receive something in return that they did not provide after 3 weeks I did not receive services I paid. i file a claim with XXXX XXXXXXXX XXXX but they did not t fix the problem I am very sure more people is having my same issues I had with this people,, I wan to protect other people from been scam like me the worse think is I found out one of this person XXXX XXXX she wet to other bank open a new account and open a new Zelle account she is now using zelle again without no problem she is getting away from the situation easy way she did not provide me services she offered to me she kept the {$2900.00} she went to openened a new account with other bank she is using ZELLE WITHOUT NO PROBLEMS wow wow she get way to play with the finanancial system right>? Im here as a victim no money I have no funds to eve pay my rent because Im broke now due to this lost... total is {$5400.00} zelle coudnt get my money back I like to know the legal reason why zelle coudtn refund me my money from scammers we are dealing with a lot scammers this pandemic days please please Im asking to you to do something asap so XXXX XXXX & the others do not get away from this case, thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
False claim Wells Fargo account. 

I am not writing it again. 

I will sue.

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 2018-05-25
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never got all the bills when i did i paid has fast has i could. i paid the bill in full the collection bureau services inc. XXXX XXXX . claims i did not pay fast enough so they claim i have to pay over 1.000.00 in interest fees on a XXXX doctors bill. I filed a dispute no one paid attention I even offer to pay good will payment till we got it cleared up they just took all my money out of my bank account left me whit o taking all my food money gas money and my house payment they are not to take every cent from someone fair dept collection practice act 808. c15 usc 169zf or 2f thank you i will call them monday and ask for my money back so i have some food thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.

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 2018-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
There are numerous inquiries on my credit reports from capital one, cap one, XXXX XXXX XXXX XXXX.

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact Capital One, XXXX, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 

15 U.S.C 1681 section 604A section 2 it also stated a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction

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 2022-10-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from 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 non-monetary relief
Consumer complaint received 2017-09-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the AMEX Starwood Preferred Guest Business credit card. I applied for the card on XX/XX/XXXX and was approved by XX/XX/XXXX. 

The promotional terms of the offer was XXXX SPG points for a minimum spend requirement of {$8000.00}. I put a {$20000.00} charge on the credit card and payed the balance off in full on XX/XX/XXXX. 

I received approximately XXXX SPG points for the charge I put on the card. However, the bonus points of XXXX SPG points never posted to my account. 

I have opened numerous inquires with AMEX and they keep insisting it will " be another 6-8 weeks to complete the investigation '' I have spent several hours communicating over online chat with AMEX. 

Attached is a confirmation with an AMEX representative confirming the bonus spend and terms were met and a receipt of payment from AMEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in the process of buying a home and the lender, XXXX XXXX, notified me that there was an issue with an item on my credit report involving Navient/XXXX XXXX. In the explanation to XXXX, I advised that I co-signed for a loan for my son back in XXXX with XXXX XXXX. My son graduated in XXXX. 
At that time, he began sending XXXX XXXX money, even though XXXX XXXX had not sent him any paperwork or statement regarding the payback amount. He called and called and called and kept being referred to different people who would say they ca n't find the account, you need to talk to so and so, and would get this same response with each person he talked to. 
He has continued to send them money since XXXX, of which we can produce copies of his bank statements showing the payments. Navient/XXXX XXXX charged off this loan in XXXX, which is now on my credit report and his. 
At no time did NavientXXXX XXXX contact him or me. They have not verbally or in any written form inquired/requested payments, inquired about no payments being received, nor did they notify either one of us by any verbal or written documentation that the loan was being charged off back in XXXX, however they continue to accept his payments. Additionally, after looking at the credit report from XXXX, I see that they have continued to add interest to the loan. If the loan has been charged off, how can they continue to accrue the interest. This is definitely bad faith practice. Because of this being on my report, and where I am trying to get a USDA loan for the purchase of a home, this issue very well may prevent that.

Company response to consumer: Closed with explanation