BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Global Lending Services LLC
State: FL
Product: Credit reporting 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 writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: TN
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
The first email I received explained that if I logged in to the portal, it would activate a new account and this very old acct would become new on my credit... So I never clicked on an attachment or respond. Everyday since, I get one to two emails... This company never misses a day. I've blocked and reported it as spam but they do not stop. Then I would just simply delete the emails but now I just leave them. I have over a hundred emails as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently got a new Venture card that its excellent standing, with no past due, no fraud and not delinquent. Capital one invited me to apply back in XXXX. I logged in and to was shocked to see that they restricted my account with any further notice or explanation. I received a XXXX letter after it was already closed. They keep harassing me and discrimination against me telling me about my attitude. I have no idea why they are talking about, but this is the 2nd time. They closed a card on me in XXXX of 2022 as well. only because I demeaned answers and the poorly trained customer service was very. rude and not helpful. So they say I am rude, yet the way treated me is obsolete. They harass me, laugh over the phone, they totally careless when my card get lost and I had to reported. If you make a complaint and demand answers, Capital one will retaliate against you, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX i had to file for bankruptcy due to the downturn in the economy. I tried to work with Wells Fargo by filing for a modification on several occasions from XXXX to XXXX. Each filing i had to show what my hardship was along with verification of income. Each time they said i didn't qualify or never responded. It was very nerve racking and eventually i had to go and work XXXX part time jobs along with my fulltime just to make payments and keep my house. I had to spend XXXX to file for bankruptcy due to them not giving the modification. I also tried to apply for a harp help through Well Fargo but they were not able to help me. There was no reason at all that i couldn't have been approved for the modification. I would like not only the amount i had to file for bankruptcy along with the amount of money i should have received from the modified loan from the time of applying until i refinanced with another company. 

I was also charged hundreds of dollars in Service charges on both my mortgage and my checking account with Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
Checked Credit Report And Do Not Recognize These Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. The bank replied to my claim and the claim mentioned " Upon receiving your request for assistance, we conducted a subsequent review of your denied fraud claim and confirmed our decision to deny your claim is accurate. A review of the transaction showed your log-in information was used and there were no signs of account takeover. This item posted as requested using the information provided at the time the transaction was made. 
Although your claim was denied, as part of our standard process, we sent a request to recover the funds from the receiving financial institution. Please know, the receiving institution is not obligated to return these funds or respond to our request. '' The above statement which says there we no signs of account takeover is completely wrong and I request bank to share the evidence by sharing the IP address and location from where my account was logged in. I have my evidence to share my location and also provide evidence that I didn't login and nor my account information was shared.

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 monetary relief
Consumer complaint received 2023-01-18
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed previously disputed with a different collection agency. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. The account was account removed. The account is now with a new collection agency. The account was placed back on my credit report.. This is NOT my account. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the collection company should not place this account back on my credit report since I previously disputed it, won my dispute and the account was removed. 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 2023-11-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and LVNV Funding, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. XXXX XXXX XXXX  XXXX ( original creditor ) provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXXXXXX  as required by law in accordance with 15 USC 1635. XXXX, XXXX XXXX XXXX  XXXX, and LVNV Funding are in violation of 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
On XX/XX/2023 my American Express card was used to create unauthorized charges through AMEX Send and XXXX accounts. My AMEX card was accessed through my XXXX account which was hacked into. 

As a result a {$2000.00} charge was added to my account. When I noticed the charge I called American Express immediately. The AMEX agent took some time to investigate this charge and discussed it with their fraud team. He then informed me that this was a common scam that is being used and assured me that I will not be responsible for the charges. The agent then issued me a new card. The agent said that this incident would be investigated further and I would receive a letter in 30 days and then the {$2000.00} charge would be removed from my account. 

It's now been 2 months and I have not received any letter from American Express. Since I was told that Im not responsible for the {$2000.00} charge I did not pay it on my next bill and I incurred a {$34.00} interest charge as a result. 

I have called American Express three more times about this charge and investigation. Each time I called I was told I should be receiving the letter within days but I havent received it. In the mean time interest charges keep accruing on the account. When American Express finally closed the AMEX Send account I was only credited {$4.00} on my account leaving {$1900.00} + {$34.00} interest that I was told again Im not responsible for. 

I have an excellent credit rating and have been an American Express card holder for 20 years. I always paid my bill in full every month. Now my credit rating is probably affected by these charges. 

I am asking that American Express resolve this issue immediately and remove the following charges from my account. They have already indicated that Im not responsible for the charge so it should be removed immediately. 

Charges : {$2000.00} AMEX Send ( XX/XX/2023 ) XXXX {$4.00} Credit ( XX/XX/2023 ) Sub total {$1900.00} XXXX {$34.00} Interest ( XX/XX/2023 ) Total {$2000.00} I am also asking that American Express fix my credit report if it has been affected by this activity. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an REI Credit Card, it used to be issued by XXXX XXXX, but was switched over to Capital One. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my Capital One card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX or Capital one reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to Capital one, and got the late fees removed. 

Unfortunately, Capital One also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and Capital one, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with capital one. 

I submitted a written dispute to capital one on XX/XX/XXXX. I submitted a XXXX written dispute to Capital one on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). Capital one then inherited a card with an outstanding amount and made the report to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: CT
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 did not do their due diligence in fixing the billing error on several accounts they are reporting as ever being late. I never gave XXXX permission to reporting any private information on me as a consumer. What they are reporting is actually causing me harm. All data furnisher needs to have verifiable proof that they obtained either verbal or written permission to report late payments on my consumer reports. How can they legally modify or verify information that should not be there in the first place.

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 2023-11-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed Department Stores National Bank Macy 's that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company is XXXX XXXX XXXX, a credit card company, DSNB MACYS, that is pursuing the collection of a fraudulent account.

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 2023-11-09
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the fair credit Reporting 62 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph instructions.

15 U.S. Code 1681a - Definitions ; rules of alre construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is older than 7 years and Ive already paid in full to the company the sold my debt to Ive filed many disputes and its still not removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: FIRST PORTFOLIO SERVICING INC
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.

Company response to consumer: Closed with explanation