BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Equifax. It has come to my attention that my credit file has errors and I have contacted Equifax through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Equifax sent me a letter stating that the information I disputed was verified. Equifax has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: OK
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 filed this complaint ID XXXX with the cfpb and named XXXX and equifax in XXXX of 2023 XXXX  agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it equifax said they validated the account which can't be true. I called XXXXXXXX  they agreed that they requested it no longer be reported. I will provide the letter from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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:
Im 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 XXXXXXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: FIRST PORTFOLIO SERVICING INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I have attempted to resolve this with 1st Access. This is ridiculous. The account is reporting late payments for XX/XX/2023, yet it is also reporting that the account was closed. 

This is an indication of my personal information being mishandled. 

I demand proof that this account belongs to me. I am requesting a written and signed contract with my signature. If not provided, this account must be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a problem that started in XX/XX/XXXX. My previous complaints explains that my personal checking account with Capitol One froze my account. XX/XX/XXXX. This was due to a XXXX loan deposited into my account. Per Capital One my account was closed in XX/XX/XXXX and my loan was returned to XXXX XXXX XXXX ( which this complaint is also against ) the issuing bank of my XXXX. Ive unsuccessfully been able to contact either financial institution. I am being charged for the loan by XXXX XXXXXXXX XXXX I never received the loan as it was returned. Also not allowed to have loan forgiveness that was offered to all applicants. Ive sent emails to XXXX XXXXXXXX XXXX  to verify if they received the loan back. XXXX XXXX XXXX replies that I have to contact Capital One bank for that information. Capitol One wont give me any information because they have closed my account. I am being charged for repayment of a loan that was returned.. I need assistance in resolving this matters. I need verification if XXXX XXXX XXXX received the loan back from XXXX XXXX. If the loan was returned it should be applied to my XXXX XXXX account. Neither financial institution will send proof of this transaction. Who can help govern this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
this is amexgiftcard, The amount is {$860.00} The gift card was used normally before, but it was locked directly after the merchant refunded and can no longer be used. 

card number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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 am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2023-02-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I'm XXXX XXXX XXXX, I currently receive XXXX benefits through my XXXX XXXX Debit Card. On XX/XX/2023, I visited the US Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and withdrew {$900.00} from my XXXX XXXX Card, however as I was opening my purse and I reached to take the money from the ATM, the ATM took my money back because I was too slow with grabbing it. I spoke with the US Bank teller, and she informed me there's nothing they can do to get my money out of the ATM. I also spoke with my XXXX XXXX XXXX XXXX customer service department they said they will add a dispute, but I still do not see my {$900.00} credited back to my Debit Card. I would like to be sure that the US Bank is accountable for not assisting me and would like a return of my {$900.00} back to my XXXX XXXX XXXX XXXX. 

I need the funds to buy my groceries and pay my rent. I would appreciate any help you can provide me.

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 2023-06-19
Company: Glasser and Glasser, PLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which XXXX  XXXX XXXX XXXX accounts are listed in Discharge of Debtor. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The XXXX  XXXX XXXX XXXX ignore the XXXX notices of DISCHARGE OF DEBTOR The of XXXX XXXX XXXX Attorney is GLASSER AND GLASSER XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX  They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the XXXX  XXXX XXXX in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX. My Court Atty Commission appointee and I spoke to the XXXX  XXXX XXXX collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want XXXX  XXXX XXXX XXXX to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXXXXXX XXXX Name and order the XXXX XXXX XXXX  to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Been trying to settle this debt for like 2 years now, been writing letters trying to call but no luck and they are still reporting on my credit 7 years later. I recently had a financial team working on my credit and they were trying to move forward with suing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This company has been investigating a complaint filed regarding a forged auto loan contract that they own period other issues within the contract, such as the loan company, having a completely different contract than what the dealership provided us has been brought to their attention and not rectified period meanwhile, they are continuing collections during their investigation and reporting delinquencies to my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to file a formal complaint against Credit Flagship Acceptance regarding the mishandling of my auto loan, breach of our written agreement, and provision of false information. I am seeking your assistance and intervention in addressing the following issues : On XXXX I contacted Credit Flagship Acceptance to inform them that my XXXX  XXXX XXXX XXXX experienced a transmission failure and was no longer operational. During this conversation, a representative named XXXX assured me that a voluntary repossession was being processed to alleviate the burden of having XXXX car payments. I relied on this information and made decisions accordingly. 

However, when I was transferred to another Credit Flagship Acceptance representative to confirm the status of the voluntary repossession, the other representative not only denied the-request but also exhibited rude and unprofessional behavior. This inconsistent and disrespectful treatment is deeply concerning. 

Furthermore, in addition to the false information provided regarding the voluntary repossession, I was promised a full refund for the XXXX insurance I had purchased in XXXX XXXX XXXX.Regrettably, when the refund was processed, I received only a partial amount, with the remainder applied to my car loan without my permission.This violates the terms of our agreement and has created significant financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told XXXX XXXX XXXX. XXXX other XXXX reporting age not my debt. I asked for proof by a wet signature of mine. They never sent that. Only a paper stating a discount of the debt. XXXX percent off the debt. I told them this debt was removed by XXXX by dispute. On XXXX credit report. The other XXXX XXXX XXXX XXXX. Have been contacted as well. XXXX and XXXX dont do their job. They are in violation of the FCRA. XXXX XXXX XXXX  has not proven this is my debt. If this debt was removed by XXXX. That is proof I disputed the debt. And the dispute was won by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection notice from National Credit Systems , Inc in XX/XX/XXXX stating I owed a debt of {$1500.00} from XXXX XXXX for XX/XX/XXXX unpaid rent. I provided proof of rent payment to National Credit Systems , Inc. and received a response letter that they could not verify my claim of payment. I provided an email payment confirmation and bank statement showing payment, which is ample evidence of payment. When

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Paysend US LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Payment method : XXXX XXXX date and time : XX/XX/XXXX  XXXX ( XXXX ) Transaction number : XXXX Status : failed You have reached your sending limit. For detailed information, please, contact PaySend Client Support. 

Transfer amount : XXXX USD Transaction is failed, I didnt receive the refund, it has been posted on my bank account, also its approved on XXXX XXXX transaction history, it didnt show its refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I previously opened a complaint against this company and they responded saying they would help and they have not. I have attached the evidence showing I submitted the documentation as they requested and have received a zero response. 

They are completely ignoring the request and violation of my rights. 

They are refusing to acknowledge or provide the reports.

Company response to consumer: Closed with explanation