BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-24
Company: One Technologies, LP
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. 

No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
No access at all to Rushcard. No web, no automated, no atm ... They 've been making promises to correct the problem since last Monday. My phone is now off and my children cant return to daycare until paid which means no work. They need sued

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian refuses to discuss this issue with me. 
I have been unable to access or correct my credit report with Experian for more than two years. I recently received a notice of credit denied due to Experian, and I would like to correct errors on my report.

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 2022-12-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, 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 2022-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraud accounts not mine and needs to be deleted as soon as possible. 

XXXX XXXX # XXXX has violated my rights. 
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 2015-12-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

Company 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 2015-12-11
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.

Company response to consumer: Closed
Consumer complaint received 2017-03-31
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I used my prepaid card to make a hotel reservation. The hotel merchant did not process the card for any amount. I did not have a balance owed to the merchant when checking out. 
The prepaid card provider has been contacted by myself, the hotel merchant, and provided supporting documentation. The prepaid card provider refuses to release MY money from pending transaction status. The representative from the prepaid card provider promised my funds would be released. Instead they continue to hold my funds and refuse to release my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went and applied for a car loan and was told my report would only be ran once, but there are over 10 hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an 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. 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.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 an 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. 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.

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 2015-11-25
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-11-16
Company: U.S. BANCORP
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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 XXXX Account # 's 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2016-03-31
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Investigation took more than 30 days

Complaint:
XXXX   XXXX ,  2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 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 2016-03-16
Company: DriveTime
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have this company Drivetime calling me at XXXX and up to five times daily.

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 2020-08-10
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
original complaint XXXX # XXXX have tried to contact with Synchrony bank XXXX XXXX constant stall tactics. Now XXXX XXXX XXXX is 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 monetary relief
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Pre pay Capital one card that my wife apply for its in her name and she put me on it i havent sign any paperwork for capital one and its on my credit report so it hurting me saying its a late payment i dont pay that bill its her bill so im ask them to remove u find out that i havent sign anything for capital one i need it remove asap thank u

Company response to consumer: Closed with non-monetary relief