BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: OneMain Finance Corporation
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:
This is my formal complaint to ONEMAIN for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX, 2023 for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone : ( XXXX ) XXXX Original Creditor Name : STATION AT XXXX XXXX NC I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing STATION AT XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was in communication with XXXX XXXX with XXXX XXXX XXXX XXXX for a couple years. He requested I send a deposit for a building I'm purchasing. Then his email account was hacked and I was given the hackers bank info instead of the XXXX 's bank account. I sent the deposit to 'XXXX  ' on XX/XX/XXXX via ACH from Chase Bank for {$21000.00}. I've called Chase Bank and the hackers bank ( XXXX XXXX  ) and both banks are refusing to open an investigation or try to stop the payment. Chase Bank claims this is a scam rather than fraud and XXXX Bank says they can't look into their account unless there is an open investigation from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NV
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. 

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 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., 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CMG MORTGAGE, INC
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with CMG should be private.

Per the terms and conditions of CMG it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of CMG. 

Per the SEC filing of CMG it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath CMG agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account.

CMG and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

CMG is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that CMG transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: DISCOVER BANK
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:
XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2023 {$0.00} PayPal Today I opened an account for the first time. The account was then placed on limitations. I received an email stating " I can no longer do business with Pay Pal ''. I called to close the account. I was told the account could not be closed because it was placed on limitations.

The call was escalated to a higher level. The gentleman got on the phone and did not give his name. He stated " the email address was a risk ''.

It is my business email account that was just created a few months ago. It had not been used much. I asked why and he stated because of " Fraud '' and it " will not be closed, but will be kept limited so no one can call in with the email address and use it ''. I told him I wanted all my personal identifiable information removed from their system and an email sent to me. He stated he could not do that. He stated that could not be done because PayPal is a financial institution. I told him i am not looking to get money from them. This is just for transfer. He told me he could not delete my information because of a risk. I assured him I was not a criminal and didn't have a criminal background and have never used paypal before and therefor my information should not be blocked because there is no papertrail in your system regarding me. I am a new customer. He then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX i deposited a 3rd party check was funded but account was going to be closed. I already contacted Citibank regarding this situation me and the 3rd party already went to citibank to verify his identity to reals the funds I do have a email with you guys stating that he needs to be present with me to be able to release the funds. Now I am being told that the marker has to submit a claim to reals the funds to me I tried multiple times to get the marker of the check to file a claim with XXXX  that's where the check is from and still no response they did ask the marker to verify the check with citibank and they did with fraud department as well. I need to know where are my funds and what is the next thing to do when the marker doesn't want to file a claim with XXXX  because on there end it's been funded and citibank is holding it.

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 2023-06-27
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been paying this mortgage since 2004 my principal balance is not went down I started out with option one and The Man Who Sold me the house and the underwriter went to federal prison for fraud by real estate. I have received a hemat loan and alone modification with balloon payments and my principal balance keeps going up like I've never made a payment they have transferred my mortgage to five different sister companies they have broken the Fair Debt credit Act by stating that I was in foreclosure and was only 15 days late they have accessed me NSF FEES and late fees which were from XXXX XXXX where I did have enough money in my account but due to the overdraft fees in regards to my online banking which made me short but was maybe {$2.00} sometimes {$12.00} short and XXXX XXXX accept me overdraft fees which made me over drafted and is currently in a class civil action suit which I am in today I want the predatory lending to stop on NSF fees and late fees taken off and my principal balance the show all the money that I paid over the years I have documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: NC
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:
Best Buy/CBNA took me to XXXX County District Court Division and the courts ruled in my favor. Best Buy/CBNA continues to report the account on my credit as a Charged Off account and it is causing me 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 2023-06-27
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. -- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. From XXXX : On our end, the transaction was delivered successfully to them. It's just that in this case the money went out of XXXX and it's on their end the issue. XXXX Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : XXXX -- - I attached the response from XXXX XXXX With additional trace number : # 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 2023-06-27
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX the XXXX 2023 I reported unauthorized transactions that occurred under my account with Bank of Texas there were multiple withdrawals that were made under my account that I did not authorize permit or allow to be conducted I received a check from Bank of Texas on XX/XX/2023 in the amount of {$1300.00} now upon receiving my bank statement which at that time of me disputing these transactions Bank of Texas did not allow me to see my account activity so I couldn't properly clarify which transactions were valid and which weren't on XXXX the XXXX 2023 I received my bank statement upon checking for the statement. XX/XX/2023 through XXXX the XXXX 2023 he total number of incoming transactions that I received was {$2600.00} Bank of Texas only sent me a check for {$1300.00} the only valid withdrawals under my bank statement are two transactions which totaled {$150.00} what happened to my XXXX dollars that Bank of Texas did not include Indy chick that they have sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 account # XXXX, has violated my rights, 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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 items. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XX/XX/22 - opened a fraudulent application with Capital One XX/XX/22- received a letter saying my application was denied XX/XX/22 - called Capital One and requested statements associated with the fraudulent card and reopened investigation giving them the potential person I thought it could have been to open the card under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions somehow has gotten my phone number and proceeded to call me and even texting me- a feature I NEVER opted into - in order to collect a debt my deceased father owes. They must have somehow gotten notification of his death in XXXX and have decided it's appropriate to harass me in the months following his death over a debt because I haven't received these texts prior. It's also important to note I was not on my dad 's phone plan for years so them obtaining my number doesn't seem legal either. My father had no estate and I am not obligated to pay this debt. How they got my number, which is also on the national do not call list, and then have proceeded to opt me into communications with them all while I'm still grieving the loss of my only parent is horrendously disgusting and, based on what I've read, not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I'm reporting cash app I'm due money from them I'm getting the run around I spoke to there representative and there hanging up..plus I have email from them money still not back in my account

Company response to consumer: Closed with explanation