BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Original contact date : XX/XX/XXXX. Contacted Capital One regarding check paid to medical office. Proof payment needed ( copy of my paid check ). Claim number XXXX. Told it would be emailed to me in 3-5 days. Didn't happen. Called again a few days later. Told it would be mailed to me in 5-7 days. I was patient. XX/XX/XXXX : called again. Spoke to " XXXX '' a Supervisor. Said it would be emailed to me in 3-5 days. I requested escalation as now I'm in collections with my doctor 's office regarding this payment. Said nothing they could do -- had to wait on the " back office '' to respond. Said it would be emailed to me in 3-5 days. XX/XX/XXXX : called again -spoke to XXXX ( manager ) and then XXXX ( Supervisor. Gave me a new number to call : XXXX. Said they would escalate with the back-office and to call back if I dou n't get it by XXXX. Provided a new email address ( my work email ). XXXX called again. Spoke to XXXX  ( supervisor ). After almost an hour on the phone going in circles she said I need to call back before XXXX as the back office closes at XXXX ( it was now XXXX ). XXXX called again. Didn't get the name of the supervisor. She said that they have emailed it to me 3 times and that they will mail the proof of payment to my home address. All this for a check of {$36.00}!! I can afford to pay my doctor twice ... by why should I have to? Capital One is able to take my money in .002 seconds when I'm paying for something, but after SIX WEEKS I can't get a copy of a paid check? I've been in the tech industry for 30 years. I've had email since email was created. I know how to check my inbox, spam, junk, search by vendor. I don't believe for one second they have bothered to assist with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX 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 2023-08-10
Company: FinCo Services Inc DBA Current
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, there was money deducted from my bank account by Current, an online bank/crypto company. A fraudulent account was set up in my name and they had all my personal information. I took care of the issue with my personal bank, however when trying to work with Current to cancel the fake account they were no help. They would not allow me to do anything without an account #, which I did not have as I did not set up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: LA
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 this complaint is not made in error neither is it being made by a third party.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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX cashier check my friend gave me to cover bills, insurance deductibles for my home, and car repairs on XX/XX/23. On XX/XX/23 It was no longer pending and had been cleared. So I paid my bills online. They then took the check back out and put a hold on it causing my bank account to go into the negative over XXXX dollars and I had still not paid my insurance deductible or fixed my car. When I went into the bank on XXXX XXXX to see why you would remove XXXX that already cleared, the bank manager refused to call and verify the cashier check and look into why they took the funds back out and put them on hold. When I asked to close my account because of what they were doing to me, she committed second degree extortion on video and threatened to call the police on me to intimidate me into allowing the bank to retain my funds. She seemed to be upset that I explained she was breaking federal cashier check laws and did not want to help me, she just kept pushing a folder at me saying read the policy she was violating, so I turned the camera on to prove it. Today is XX/XX/23 and I have spoke to several people and sent the video of their teller in, but my account still says negative and cashier checks XXXX and under are to be treated as cash. The banks own policy says these funds are to be available the next business day. The bank is causing me severe distress and anxiety I just want to get my house and car fixed like my friend gave me money to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2023 I received written notice from The CBE Group , Inc. informing me that I have a debt of {$43.00}. The reported debt originated from the Department of Veterrans Affairs. On XX/XX/2023, I contacted The CBE Group , Inc. to dispute this debt. I do not believe this organization will accept my dispute by telephone. 

This debt is not mine, possibly my deceased father 's who has a similar name, but the debt is not mine. I have dealt with debt collectors in the past who have tried to pass off my father 's debts to me. 

I am a veteran and do owe the Veterans Affairs but I have been making payments in the amount of {$10.00} per month on a debt of {$260.00} +/- with no difficulty or The VA seeking other arrangments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX XXXX XXXX : {$560.00}

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 2023-08-03
Company: COLLECTIONS UNLIMITED OF TEXAS 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 Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX  Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
FIRST LETTER MAILED CERTIFIED MAIL XX/XX/XXXX, XXXX TO EQUIFAX AND ALSO TO XXXX XXXX XXXX XX/XX/2023. XXXX XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF VERIFICATION OF PROOF OF ORIGINAL DOCUMENTS WITH MY SIGNATURE. EQUIFAX SENT LETTER STATING THAT THE DEBT HAS BEEN VERIFIED WITH NO ORIGINAL documentation PROVING THAT. 

Please be advised this is my SECOND WRITTEN REQUEST The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hired Proficio Financial Services of XXXX XXXX to collect a judgment in XXXX of last year with the agreement that they would maintain consistent communication with me. After not hearing from them and they not responding to messages I fired them in XXXX and took action as a XXXX XXXX XXXX. In my work ( XXXX XXXXXXXX XXXX ) I attempted to contact the debtors liability insurance carrier at which time I discovered that Proficio was still trying to collect the debt, had actually collected money from the debtor, and had failed to contact me or send me any of the money collected. 

I contacted Proficio and was told by an employee that they were in fact attempting to collect on the debt and the debtor had made 2 payments. I contacted the owner and was initially told the debtor had blocked their number. When I told him I had evidence that they were still trying to collect on a debt that I had fired them from and I was aware that they had been paid, I was told the debtor had made one payment and that it was my fault that I " lost '' the check. When I emphasized that I was aware of multiple payments the owner told me I was wrong. I told him to stop working on collecting the debt and to send my money. 

I have evidence that 2 payments were made and that the only reason I got any money from Proficio was because they got caught. There is an old adage in the investigative field that says ; If you catch them one time there is most likely 10 times they got away with it. I can not guarantee that they have stopped attempting to collect this debt. I contacted the debtor to let him know not to send any more money to Proficio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have already filed complaint and my new emails keep getting hacked and I can not get in them, this is a mess I have a cash app account... well 2 or 3 now and I can't get into those neither I can not locate my complaint number you guys gave me but my name is XXXX XXXX I filed complaint a month ago I know. I have been without internet. Please call me at XXXX. My emails are all getting hacked it is a XXXX complaint but is very important for it may end all the hacking that's happened the past years to my accounts PLEASE CONTACT XXXX OR MY DAUGHTERS XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX. I need ur help badly and my daddy was a XXXX XXXX XXXXr in XXXX and I was convinced with agent orange but these hackers are about XXXX XXXX me as crazy as my father could be!! Please help! XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Home Credit Corp. Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was recently laid off from my job. So I was reviewing my finances to see where I could cut back and save money. I want to note that I also work in the auto industry as a business manager. I was reviewing my loan agreement and realized I am financing service agreements that I did not need. One for a life insurance policy and the other for a road side assistance policy. Both of which are also covered under my vehicle insurance policy. I called the branch to cancel these products and the manager of that particular branch said they were not cancelable. I informed her that they are because it was stated in the contract that they were. I again informed her I dont need them and wanted to cancel them and refund the balance to the principal of the auto loan. She again said that they are not cancelable. And asked if I was calling to make a payment or just to complain knowing that I was just laid off from my job. She said if I wanted to complain further she could give me the corporate number. I hung up and called another branch and the manager there informed me they were cancelable. After that phone call I called the corporate office and was told the corporate manager was at lunch and they would take a message to call me back later. And I have yet to receive that call back or have the additional products canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank closed my account without my permission!! I needed the funds and had set up electronic transfers. My bank account needs to be reopened. I also asked 24 months of statements on my account, and never was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX my 2nd XXXX  was stolen from my house and it is exactly identical to my main XXXX with all my information and cards etc inside the phone.. I had a guy over that I was newly getting to know well he must of obviously been watching me I put my code in my phone when we was selecting music to play off my XXXX and I didn't realize my XXXX XXXX was snatched until I saw charges for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX on my moneylion roar account on the XXXX of XXXX and XXXX of XXXX is when the fraud happened. When I noticed that I went and looked and couldnt find my other XXXX it was gone. Also neither did the company ( money lion ) fraud system didn't tag the big purchase amounts as alarming and never even blocked my card when these transactions happened allowing a company to just take what it wants with no detection of fraud alerts or even blocking my card to verify if it's me making the transactions .So I put my XXXX XXXX in lost mode so nobody could use if anymore I contacted money lion to cancel my card. And to dispute the charges. I informed them I had done business back in XXXX with this merchant but no longer have I conducted any more transactions with them... I told them what happened submitted a police report/ emails to the merchant telling me my XXXX XXXX was used to purchase these transactions that's when I knew who did it and they had my phone. I contacted XXXX asking them if there was any other protocol I hadn't done to further protect ny account. It seems I had it all put together in the order I did it. There was also transactions fraudulently on my XXXX money account from the same merchant XXXX XXXX XXXX XXXX went ahead and credited me and final credited me admitting there was a error to the transactions. I sent this to money lion THE OTHER BANKS DESCISION and they did nothing with all that information and didn't credit me back the fraud and held me liable for the charges. This company is the worst and they need to be corrected. I'm not liable for fraud. And I'm not going to sit here and do nothing which is why I'm contacting you. I need your help in resolving this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: OneMain Finance Corporation
State: NY
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:
Hello, I would like to report fraud on my credit report. There is an inquiry by One Main Financial from XX/XX/2022. This is fraudulent activity. I did not engage in any business activity with the company and am not a customer. This is a false report that should be removed from my credit report.

Company response to consumer: Closed with explanation