BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Genesis FS Card Services, Inc.
State: OH
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 a account without my written instructions.

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 2023-03-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I wrote letters to multiply debt collectors LNLV FUNDING LLC, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Opened account with Bank of America and out of nowhere they closed the account. They said they didnt have to disclose the reason and they didnt give me a notice as they said they did or I wouldve withdraw my money. 

They said they were going to return my money in a cashiers check. But the money never came. Ive called three or four times, and they say that the check was issued and sent to my place but it never came. 

Now Im calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced Ive ever been by a professional bank. 

The customer service is terrible regarding this issue. They act as if Im a non-factor now that they closed my bank. 

They said they couldnt even track it because they didnt put a tracking number on a cashiers check. 

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring. 

# Terrible

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 2023-03-13
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I made a transaction on cash app for XXXX to a wrong recipient. I contacted the cash app immediately and followed all directions to receive my money back to no avail. Hence then my money continues to sit in a pending status even after I contacted the customer service and support service several times pertaining this transaction. They still refuse to provide me with an effective solution outside of me contacting the recipient in which I have no way of doing. Im on social security and I believe that they are taking advantage of me and will not give me any recourse to receive my funds back. I really need help with this because I am on a fixed income and can not afford to lose XXXX dollars for a mistake that caused me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 ... .., 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 2023-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I made an internal transfer from one of my savings accounts to another savings account in the amount of {$1700.00}. Only {$700.00} was credited despite showing that the transfer went through in the amount of {$1700.00}. 

When I contacted the bank on at least 5 occasions, they advise that {$1000.00} is being held due to " pending verification of funds. '' However, I have over 10x the amount in my various accounts and 5x in the account I transferred it from. In addition, the funds were fully available and cleared prior to the transfer. 

I have also lost out on a week of interest as well.

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 2023-03-13
Company: Kikoff 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: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. 
Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. 
As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter.

Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. 
I look forward to your prompt response and resolution of this matter. 
Account information : KIKOFF LENDING LLC balance {$32.00} 150 days late Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Credit Karma, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX there was XXXX that was unauthorized by me from my credit karma account..I file a dispute on XX/XX/XXXX and they closed my account because they found it was no error. 
XX/XX/XXXX I received constant emails from credit karma that sem like my account is still open.. I received information from XXXX XXXX in my email that there is a negative balance after the account was closed. I reach out to support and they told me there had been credit reverse to my credit karma account. So why is it that credit karma found my dispute incorrect. But kept my money. I'm struggling to get my money back and it seems like they are telling me that visa made the determination. But if it's my money why did they take it. How is the dispute an error when XXXX XXXX return those funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: AL
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 Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXXXXXX  has violated my rights. Or list of inquiries 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 2023-03-13
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX I received a text from a customer regarding a floor remodel the person sent me a cashiers check through XXXX mail the check had a bigger amount on it and the sender asked me to send it to the people who bought a house from XXXXOn XX/XX/XXXX check was cleared and I sent a payment of {$2000.00} US dollars to email XXXX the customer XXXX XXXX kept harassing to send payment so I got skeptical after I sent XXXX  and contacted the bank to report fraud and didnt send anymore money I let the customer know I had to wait for the check to be cleared and he was impatient and got the check canceled and the full amount of the check was refunded back to the account and the XXXX  I sent I have to pay myself back because the banks cant do anything about it I have the adress and drivers license of the customer but it was probably stolen by a scammer so Im pretty much stuck paying back the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
credit reporting agencies XXXX, XXXX, and Experian have all publicly produced a credit report without my consent tarnishing my reputation and credit worthniess as by lawful defintion they have violated my right to privacy and their grave responsibility to be impartial and fair in fact they have been very far from fair and absolutely partial in all means of lawful definition. below I will attach and quote all consumer laws in which in fact have been violated by XXXX as follows. 


15 usc 1681 A ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 usc 1681 A ( 4 ) 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. 
Again I state that I never gave my consent nor did I instruct XXXX to create or furnish this report.

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 2023-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a XXXX XXXX  XXXX on XXXX XXXX with a credit limit of {$5000.00}. On XXXX XXXX my credit line was decreased to {$3900.00}. My credit score took a huge hit. On XXXX XXXX my credit line was again decreased to {$3200.00}. My credit score will again suffer immensely. Each time these decreases have happened I was approaching a substantial benchmark. I have a payment history of 100 %. I always pay more than the minimum as well. When I contacted the company I was told they were within their legal rights, and I needed to wait four months before asking for an increase. I explained how catastrophic this impact was. It just didnt matter to customer service. FNBO is a predatory company. The reviews are much the same online as I write today. Horrible experience. Bad operators.

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 2023-03-13
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:
It has come to my attention that XXXX, XXXX and Eqiufax are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Equifax continues to Violate my Federally Protected Rights-I continue to get nothing more than Stall Tactics and Blatant Violations of my Rights. I filed 2 Subsequent Complaints ( XXXX &. XXXX ) that have not been Remedied according to FTC Identity Theft Report and Consumer Law : Equifax had 4 days from Receipt of Complaint with attached documents proving my Case. I have been Patient with Expectation from CFPB to enforce and protect my Consumer Rights..Im confused in what Protections CFPB holds according to Federal Law. This is an Official Notice to File a Federal Lawsuit-I hope CFPB will assist in Enforcing my Rights against Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Took out a loan with Wells Fargo. Rates should have been decreased. Credit should be paid in full and every payment was early.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-11
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inaccurate information reflecting on my consumer report such as hard inquiries as soft inquiries names and addresses that I have no recognition of and I want them deleted immediately as this is damaging to my reputation and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: TN
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. 
XXXX : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and 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.

Company response to consumer: Closed with explanation