BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my tax refund check on XX/XX/2023 the money has cleared and I am not being allowed to access my account. I called Capital One 360 bank numerous times and they just keep hanging up on me. They keep saying theyre reviewing my account but not providing me with any information on why I dont have access to account. Ive already called and verified my identity number times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was terminated by TD bank. While this was disappointing, they have not returned to me the funds from my checking account yet. After noticing I lost access to the online portal last month, I called them to inquire about this. They gave me no reason for the account closure and then mentioned they would send a check with my account balance. I have not received this check at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have the TD cash card. That is a card I have not used in a very long time. TD bank keeps denying my claim. I am from XXXX and I saw a whole bunch of charges on the west coast. I called and blocked the card. I got a new card and opened the dispute. The charges were from XX/XX/XXXX to XX/XX/XXXX. The biggest problem is that I had to call, there were some big charges and as I stated earlier I havent used the card in over a year. Not once did they send me a text to make sure it was me they let everything go through. I called and they opened the dispute but has still not solved it. They are no help I spoke to a supervisor and told them if they would have just sent me a verification text this could have been avoided. I do not use this card. I am from XXXX not from the west coast and I have not been to the west coast since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX at XXXX about a notice I received from Amsher Collection Services , Inc XXXX. The notice from the collections agency claims I owe a balance for service provided by XXXX in XX/XX/XXXX, last year. I have never once received a bill from XXXX for that service, so I was not aware that anything was owed until I received the collections agency notice. When I called XXXX they claim they sent two invoices, one in XX/XX/XXXX and a second in XX/XX/XXXX and have taken no other action to contact me since. I informed them I had NEVER received the invoices and had they called me once, emailed me once, or texted me once to make sure I received the invoice I would have handled the matter immediately. The balance owed is less than {$30.00}, so this compliant isn't because of the amount, it is the poor practice that resulted in this error, and I find it harmful that a company is allowed to send something to a collections agency without truly ensuring the party was fully aware of the balance owed. Sending something through the USPS doesn't guarantee it reaches the proper party as I have had mail stolen out of my mailbox, delivered to the wrong home, etc. So, for a company to assume two mailings made it to the proper person they aren't doing their due diligence, especially in this day and age. For a company to directly state it will not call or email its clients to ensure they have received an invoice, is absurd and poor business practice. I want to make sure my credit report was not impacted by their horrible corporate practices. Furthermore, for the collections agency to take on this balance without verifying appropriate effort was made to reach me directly makes them compliant in the poor business practice by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to have PMI removed from my mortgage. I have done substantial upgrades to my home ( more than {$80000.00} ). This includes a full new kitchen, updated bathrooms, new flooring, new electrical, etc. I've been told by them : * These didn't qualify ( even though they initially accepted them ) * That they wouldn't honor my original loan documents * They have already taken money to assess the property, now they won't assess and won't refund my payment.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXX XXXX is reporting on my XXXX credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.

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 2023-08-11
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I did not give consent to have this company report information on my behalf! I do not want this company transmitting, sharing, or collecting my personal information data without my consent! I will take legal actions against them! Unlawful information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Block, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
recieved an email with the following text " XXXX sent you an invoice for {$780.00} Overdue since XX/XX/2023 We are happy to report that your order has been received and is being processed. The amount has been debited from your source account, If you got any queries regarding your purchase please inform our customer executives at the given number '' from XXXX XXXX on XX/XX/XXXX. It also provided a phone number XXXX ( XXXX ) XXXX and this is the link to the webpage of the email : XXXX XXXX XXXX I do not have any business with this company so it is definitely not a real issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: DISCOVER BANK
State: NV
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 due to XXXX XXXX and discover cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a discover account in my name on XX/XX/XXXX and attempted to open another credit card with XXXX XXXX on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from discover and one from XXXX XXXX I do not have any active accounts with either of them and never had an account with neither of them I contacted XXXX XXXX they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both discover and XXXX XXXX I can prove to the credit bureaus these inquiries do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Exeter Finance Corp.
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Exeter Finance LLC Account XXXX XXXXXXXX The account was opened XXXX 
During this period of time I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported XXXX to my Attorney General XXXX XXXX to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Ascendium Education Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ASCENDIUM WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported Ascendium to my Attorney General XXXX XXXX to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
credit acceptance loan was paid in full in XX/XX/2023 they are still reporting to the credit bureaus that there is a XXXX balance when the balance is XXXX. I have contacted them as of XX/XX/XXXX to resolve this and they said they have however as of XX/XX/2023 their reporting to XXXX and XXXX  a balance of XXXX and monthly payments of XXXX which is inaccurate they refuse to update per fcra law this is affecting y borrowing terms on a new vehicle

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 2023-08-12
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid back what was owed to my bank everything that was charged in the XXXX  was charged back on my credit card which i paid already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Waterfall Revenue Group
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Waterfall revenue group collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. XXXX XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Bridgecrest Acceptance Corporation
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: Information belongs to someone else

Complaint:
XXXXDisputed account but didnt remove for XXXX Bridgecrest-Disputed account but didnt remove for XXXX XXXX-disputed but didntb remove for XXXX XXXX-Disputed but didnt remove for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: PA
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 this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account with US bank- I then funded the account with my XXXX  account. On XX/XX/XXXX I went to US bank to withdraw some of the money for a bill that needed to be paid. I was told the account was frozen and to call a number. When I called the number they said the bank should be able to handle it. I have had the runaround from customer service , fraud department and the hold department. Also no letter was ever sent to me regarding this matter. I keep getting the same thing not sure and a letter will come with the cashiers check. I then went back to the bank to resolve this with the bank manager which he forwarded to the district manager but to no resolve nothing has been done it is coming up to 90 days this is just wrong and still has not

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 2023-08-12
Company: EQUIFAX, INC.
State: PA
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 this creditor ( XXXX XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
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. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023 I have got a alert for Equifax stating that my credit was ran from XXXX XXXX XXXX XXXX, XX/XX/2023 My Partner XXXX XXXX went into the branch in XXXX XXXX XXXX location in XXXX to get a bank statement as which we are buying a mortgage, the bank confirmed with me that he was allowed to get this info, When he got home i choose to get on the phone with XXXX and ask about this dispute, XXXX XXXX the branch manager at XXXX XXXX in XXXX XXXX said that she ran my info bc she thought it was going to be fine with me, she never called me or i never signed any papers stating that i agree for her to run my credit, and on the phone she admits she messed up and she should have called me, she said she was going to take care of this and get it off my credit, almost 30 days later i still have it on my credit and its harming me to get credit for the new things i need for my house. so bc of this inquiry its harming me to get credit that i need for my personal life.

Company response to consumer: Closed with explanation