BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the Equifax and XXXX  data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.

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 2017-10-17
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX is blocking me from utilizing external applications to manage my account. I have the right to do so.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Acct # 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 non-monetary relief
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2017-10-19
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with Transunion and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.

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 2022-05-04
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved 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 explanation
Consumer complaint received 2020-10-08
Company: DISCOVER BANK
State: AZ
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:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
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:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-07-24
Company: MoneyLion Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have opened my checking account for the below promotion and still I didn't get the promotion after I met the required conditions to get the cash reward. 

PROMOTION DETAILS : MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : Join MoneyLion Set up a direct deposit of $ 500+ Opt in to bonus Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) Bonus you receive will be 17 % of your first direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 have called Capital One on separate occasions on to why they don't raise credit limits on people who pay on time and have had no issues or go over the credit limit. I know a lot of people who have had late payments with Capital One and been months late and still get credit limit increases. I ask for an increase and they generate some bogus reason as to why I can not get an increase. It seems like Capital One only likes to increase people who are bad at paying their bills to keep them in debt. Capital One won't increase my limit on the cards that I have but they always encourage me to apply for another card vs increasing the limit on the cards I already have. They are trying to do this to get more fees with more cards as to why I have a 2nd card with them. Capital One also likes to blame the credit bureau for reasons for cards not to get an increase. I call the bureaus and they said that what capital one is giving for a decline does not match up with them ( credit bureaus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Problems with U. S Bank- I own a construction company and bank with US Bank . I have been a customer for less than 1 year. I have been very satisfied with the services until the day I requested to with draw a large amount. I walked into the branch here in XXXX, OH. I was notified by a male MGR. that I wasn't allowed to with draw such a large amount from my own account. I work hard for my money and felt my right was taken away. No explaination was given to me. I then went over the second US Bank and requested to with draw a large amount of money I was told she will have to order it and it will be in a certain day. That day came and I was told I that it wasn't going to be possible. I called customer service and they gave me the run around. On XX/XX/XXXX, at XXXX XXXX  a lady by the name of XXXX XXXX from US bank located at XXXX XXXX XXXX and told me I have 2 choices. Choice number 1- I can pick up my check for the full amount the next day XXXX XXXX and my account will be closed and walk out or choice number 2- my account will be closed and the check will be mailed to me. I was speechless. No explanations was given to me on why my account was closed. I called customer service. They told me no notes were provided that I was talking to XXXX XXXX on how she was going to close my account. I did not show up this morning XX/XX/18 at XXXX XXXX  at that branch. I called customer service to seek for answers. My results were none. My account is now closed and my bank card doesn't work. My account is closed for the fact that I requested to withdraw a large amount. I feel very discriminated and racially profiled. I have check stubs to back my funds up. I will never bank with US Bank. Terrible bank to bank with. I will tell my colleges, family, and friends about my situation, because I don't want what happen to me to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2021-07-15
Company: EQUIFAX, INC.
State: TX
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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX  XXXX OF : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - XXXX  XXXX  : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX  : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX XXXX  : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  XXXX NA  : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. 2022, I sent {$1500.00} to an individual in exchange for a sports card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. 

I opened a claim with my bank ( Wells Fargo ) with claim ID XXXX. Upon reviewing this, WF was unable to reverse the transaction.

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 2019-07-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax Lack of CRA compliance with their obligation to accurately maintain and update your credit file under FCRA 607 ( b ).

" FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I've submitted multiple disputes against the fraudulent charges in my name. I filed a police report, reported the identity theft to FTC and even faxed and also maimed them multiple times a copy of my passport providing proof I was not living in the states at the time the accounts were open and used.

I also sent a copy of my social security card as well as my license.

They refuse to delete these accounts from my credit file and it's causing me headache and now financial troubles as I'm trying to purchase home.

In all correspondence, they still address me by the wrong name and have my DOB listed wrongly when I've sent all documents showing my accurate info.

My next step is to sue. It has been months and countless disputes and nothing is getting accomplished.

My life is literally on hold.

Company response to consumer: Closed with non-monetary relief