BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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 actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I have a CLOSED visa credit account at TD Bank NA which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my TD Bank NA visa account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all XXXX XXXX protocols including the reporting on paper credit reports of all data reported in the XXXX XXXX submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire XXXX XXXX system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a certified letter requesting an investigation into some inaccurate account on my credit report. Equifax has not responded to the request within the 30 days given. They have not done their duty mandated under the law. 

Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, which it is not. This is grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: OH
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:
I tried to create an online account with Equifax to add/remove fraud alerts and security freezes. The online portal failed to create the account and directed me to call customer service. Customer service tried to create an account over the phone. The agent was a foreigner and did not transcribe the information correctly, and when I went to sign in online I couldn't be authenticated. I called again and they tried to authenticate me using a mobile app that takes pictures of photo IDs, but this failed ( the IDs are glossy and designed to resist casual photos ) and the agents got upset that I'm wasting their time (! ). I've wasted hours trying to fix these issues and it seems like they don't even want to help me now. I can't even order a free online credit report ( via XXXX ) to see what info is wrong because the online Equifax portal is gatekeeping access to that too. I've been able to create and maintain accounts at XXXX and XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IA
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 XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My account balance on XX/XX/2023 was {$670.00}. Banana Republic took out {$1800.00} on XX/XX/2023 because my statement balance on XX/XX/2023 was {$1800.00}. They took out {$1100.00} more than my account balance. This has created a financial burden. I requested they fix it and they told me it would take 10 business days to mail me a check even though I didnt pay via check nor did they have the right to take the extra money. I didnt owe it.. I asked that they reverse the payment they had processed in error or overnight my check and they said they would not. This is criminal. They should never take more money that what is owed to them. I will eventually get my money back but this practice of how they are processing payments should be examined and I would expect them to correct it and at the very least expedite an error when its this large of an impact. 

Thank you

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 2023-02-01
Company: EQUIFAX, 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. The List of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX Service # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 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 XXXX 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 2023-02-24
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 AMERICAN EXPRESS XXXX : Federal Trade Commission & Attorney General of Georgia -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Congress ensured that under 15 USC 1681a ( 2 ) ( A ) ( i ), consumer reporting agencies are not to include reports containing information solely as to transactions or experiences between the federally protected consumer and the person making the report. American Express has violated my right to privacy under 15 USC 1681a ( 2 ) ( a ) ( i ). I am also requesting the permissible purpose written authorization that I gave American Express permission to furnish my information to each of the following account : - AMEX XXXX American Express has harmed my family under16 CFR 313, and 15 USC 6802 and has not initially or annually given me an opportunity to opt-out of the reporting my non public personal information. 
Remove these account from my consumer report immediately under federal laws you are violating my privacy and harming myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have successfully completed the PHH trial payment period, executed PHH loan modification documents, and am current in my monthly mortgage payments and YET PHH has NOT filed a NOTICE OF RECISSION OF TRUSTEE '' S SALE ( as PHH rep 's promised they would and send me a conformed copy from the XXXX XXXX XXXX XXXX XXXX ) and continues to report false information to the credit bureaus thus PREVENTING ME and causing me irreparable financial damage as I can NOT obtain mortgage loan or any other consumer loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/2023 XXXX XXXX XXXXXXXX couldn't approve my XXXX XXXX XXXX XXXX XXXX XXXX following false reasons from an incorrect report obtained from Experian

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 2023-02-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to rectify the account with this company XXXX XXXX. I have filed several complaints in regards to receiving information pertaining to this account to no avail. Then company, XXXX XXXX has refused to provide any information about the account. I don't know if it is mine, I don't know what the debt is for and when contacting the company, they refuse to provide any details. Per the Fair and Accurate Credit Transaction Act, they should be providing verification of said account via documentation or remove the account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX hired collection company called CCS to collect a debt I do not owe damaging my credit. Putting a false statement on my credit report, I have called XXXXXXXX XXXX XXXX to rectify this issue and they just state that they can not give me the credit they promised me on XXXX for interrupting my services for over 5 days because the company was experiencing technical difficulties causing the consumers to be without internet service for over 5 days within a month. I called to advise that I was disappointed with there services and advise XXXX XXXX that I was going to switch to XXXX XXXX  and if there was an outstanding balance XXXX XXXX assured me that there was no bill balance due to the inconvenience and outages by there company as a courtesy they were waiving that months bill as a courtesy to there customers. XXXX then turned around hired a collection company called CCS and put a derogatory collection account on my credit report damaging my credit. I have tried to resolve this issue but they do nothing. My credit is tarnished because of this cable company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX hired collection company called CCS to collect a debt I do not owe damaging my credit. Putting a false statement on my credit report, I have called XXXXXXXX XXXX XXXX to rectify this issue and they just state that they can not give me the credit they promised me on XXXX for interrupting my services for over 5 days because the company was experiencing technical difficulties causing the consumers to be without internet service for over 5 days within a month. I called to advise that I was disappointed with there services and advise XXXX XXXX  that I was going to switch to XXXX XXXX and if there was an outstanding balance XXXX XXXX assured me that there was no bill balance due to the inconvenience and outages by there company as a courtesy they were waiving that months bill as a courtesy to there customers. XXXX then turned around hired a collection company called CCS and put a derogatory collection account on my credit report damaging my credit. I have tried to resolve this issue but they do nothing. My credit is tarnished because of this XXXX  company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: IL
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Security Credit Services, LLC
State: OH
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:
I noticed a sudden drop in my credit report rating. Upon investigating, it was listed that I was sent to collection because I owed money. However I do not have any loans, Iowe no one money and have not taken out a loan in many many years. I spoke to an agent with XXXX and he was able to provide information about this Debt collector/collection service that caused the negative drop in my credit score : Security Credit XXXX XXXX XXXX and they were collecting on behalf of Smart Pay Leasing ( XXXX ) XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 XXXXdo n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and XXXX XXXX prooof of Cleared cheque.Except XXXX XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to XXXX XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -IQData .I have applied for Mortgagee loan and my Closing is on XXXXIncorrect collection showing in XXXX report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with IQdata and XXXX  XXXX XXXX  for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
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:
I have unauthorized accounts on my report. I would like to get it removed if you can not provide proof such signature that i provide these account. According to the FCRA Any inaccurate account that is not 100 % verifiable or accurate must be removed. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Effective XX/XX/2022, AMEX modified there card agreement that in lieu of automatically getting a {$300.00} statement credit, a {$25.00} credit on a qualifying restaurant purchase is applied monthly. Between XX/XX/2022 to the present, I had no issues with the exception of XX/XX/2022. I purchased dinner at a local restaurant called XXXX 's on XX/XX/2022 ( posted XX/XX/2022 ) at the amount of {$62.00}. The credit never arrived. After calling three times, I was told that they do see the establishment categorizes as a restaurant but for some reason no one I speak with can not issue the {$25.00} credit. 

I called a forth time and they said that they would issue the credit and it would take 24-48 hours to post. It has been longer than two days and I have yet to see the credit posted to my account.

After four failed attempts, I am escalating this issue to the CFPB.

Company response to consumer: Closed with monetary relief