BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-06
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX  FOR XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2016-07-07
Company: Big Picture Loans, LLC
State: NJ
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed. 

I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise. 

The number that I received the call from was XXXX. I was told to dial XXXX to follow up.

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 2016-01-28
Company: Alpha Recovery Corp
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
collectcion company calling me multiply times about my debt ..whitch i tryed to explain im un able to work due to disability..they wouldnt let me talk ..they kept trying to get me to sell something to pay my debt..called me a dead beat they dont understand i cant pay if dont have it ..had to sign up on XXXX XXXX ... i have nothing to sell im broke period..but keep telling me i need to pay my debt stop being a deadbeat..tryng to say what i owe an dont owe

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
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:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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 2020-06-18
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got numerous harassing phone calls from this company so very rude threaten my credit threaten to go after money that I dont even have and never really even gave me a fair chance but just a threatening phone calls alone scared me and Im a man of integrity and Ill pay my debt one thats due but I will not except threatening phone calls and have my credit impacted by these people they couldnt even talk to me civilly very rude very intimidating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: IL
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 has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX {$420.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a cash app account with funds still on it. I lost my phone in a waterfall and lost access to the account & created a new one. I attempted to merge accounts to intercept funds from the first account like they instructed and they gave me limited help as well as deleted my funds from the number I had assigned to the original account. I bought a new phone today, kept the same number & attempted to login. I was met to XXXX . When I complained to support, I was met with limited to no help again. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been dealing with Capital One Bank for years. Have always paid on time and unfortinutley, have had to use them, after paying them off several times. I have spoken to them about there interest rate and have not been able to get anywhere. There rate on purchases, 15.90 % APR. This interest rate is rediculas and according to there record, on a balance of {$8900.00}, paying the minimum, in XXXX years, you would have paided {$20000.00}, pay off in XXXX years, {$11000.00}. Is there anything that can be done with this high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I have been separated since XX/XX/XXXX. He is XXXX ( XXXX ) and goes through XXXX of running credit to see who qualifies him for a loan and when he gets qualified he acts like he won the lottery. He has been doing this since our separation. Now that his credit is maxed out and is no longer getting approved for loans he has gone to the extent as putting me on as the co-signer without me knowing. This happened two weeks ago XX/XX/XXXX with USAA. He ran an online application for a loan with USAA since he did n't qualify for the {$10000.00} loan he dishonestly put my social security number as a co signer. He got approved for the loan. USAA, very well known bank/insurance for military -- well they, never contacted me to inform or verify with me that there was a loan being processed under my name and I was the co applicant. I only got an email after the fact saying congratulations your loan has been finalized call us immediately if you did not apply. Well I have gotten nowhere with USAA. I placed a police report sent them everything possible to prove to them that I did not apply. I am trying to deal with this along with finding a full time job, take care of my child and get this marriage over and done with. I hope banks and credit companies understand that this is a serious issue. Just because one is married does n't mean one spouse has the right to run your credit without my knowledge, companies should VERIFY with applicants AND CO APPLICANTS. Apparently, he applied on line he e-signed everything and USAA never verified. Everytime I call USAA my account is locked for investigation " we can not open your account '' all the agents tell me I will get called 24-48 hours from today. This has been going on for two weeks now. I will never trust military banking for anything especially this one. It is used by many military and overseas as well and I am left to just wait ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. 

Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BK OF AMER Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. 

RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A legal order was placed on the account ( belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from a XXXX XXXX XXXX XXXXXXXX and XXXX after they knew I was in bankruptcy. Wells Fargo Bank refused to give me any information and froze the account. The out of state legal order was for only about {$31000.00} ( documents are enclosed ) but the bank withdrew from my account over {$62000.00} ( documentation enclosed ). This order was an out of state order as the company and bank account were started and operated in XXXX only. This order was not domesticated in XXXX. Per XXXX  XXXX XXXX it is illegal to garnish or freeze accounts based on a foreign legal order. Moreover, per XXXX the bank must inform the account holder 30 days in advance. Also, the amount taken out of the account is not what the proof of claim ( enclosed ) said. 
I know there were precedents of this sort and XXXX XXXX  XXXX paid huge fines for doing just what Wells Fargo did to the above account. 
Wells Fargo refuses to give me information to clear the situation and the company XXXX for a month right now was not able to pay staff, medical insurance premiums and we have received eviction notice by the landlord. 
We are in a desperate situation and will be forced to shut down the company. What was done to us by Wells Fargo Bank is not only illegal by the rules governing these matters in the State of XXXX, but also shows the disregard they have for the customers. We have been a customer for 22 years.

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 2016-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TransferWise Ltd
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wise online banking after 5 year being theirs client and doing transaction and paying taxes they just decided in desactive my account sine XXXX 22. The most problem is that they kept my money and never give me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email receipt for a purchase at Saks Fifth Avenue XXXX on XX/XX/2022 for {$120.00} which I did not make. A XXXX credit card was used ending in XXXX which is not mine, although was in my name and receipt came to my email address. 

I can not cancel or investigate card since I do not know what bank issued it or how it was applied for using my credentials. I have notified : Saks, Social Security, XXXX, and XXXX XXXX. ( XXXX has no alert for fraudulent application for credit ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an XXXX violation but I have an active XXXX   account for the past 15 years in good standing.. charges should have applied to my XXXX account and should have not resulted in charge and penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state

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