BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I have tried to resolve my issues with Kohl concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of information any other adverse item of information, other than record 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 2023-06-11
Company: Prosper Marketplace, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prosper Credit card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to Prosper reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially XXXX went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
XXXX. I want them to eliminate the fee which they charged to a closed account. 
XXXX. Correct this information with the credit reporting agencies.

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 2023-06-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have sustained weather related damage to my home in XX/XX/2022. The insurance company XXXX XXXX XXXX ) has paid for the repairs and has included the name of the mortgagee on the check. JP Morgan-Chase bank XXXX the mortgagee, has received the funds and has placed the funds in an escrow account. 
in a XXXX moment, JP Morgan-Chase refuses to release the funds to me. They stipulate that I fix the house first then they will release the funds. Well, I can not repair the house unless they give me my money to do it. 
I have gone through the process that they have in place but they still do not distribute the funds. JP Morgan-Chase sit on more than XXXX of my money. I am obligated to follow their process but they themselves do not do their part. They know that they are a big financial institution and there is little I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Nelnet, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-11
Company: Freedom Mortgage Company
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to a recent escrow change in XX/XX/2023, my usual automatic monthly online payment was made in the amount of {$690.00} versus the new increased amount of {$790.00}. As a result, Freedom Mortgage placed my on-time {$690.00} payment in a suspense account and the payment was not applied to my balance. This created a 'late ' payment status that was reported to the credit agencies, causing a significant impact to my credit score.

When I reached out to their customer care team, my request to update ( remove ) this late payment status to all credit agencies was declined. I was informed a letter was mailed to me to notify me that my payments were increasing in XXXX. Unfortunately, I did not receive this letter. Had the letter been sent as certified or trackable- or even a different color paper or envelope to differentiate it from the barrage of marketing collateral from Freedom Mortgage - I would have received it and would have adjusted my online banking payments accordingly. 

I've reached out to the following people, and none have provided the courtesy of an acknowledgement of my request. None of the executives have responded to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-14
Company: EQUIFAX, INC.
State: NC
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:
Identify Theft : 1. XXXX XXXX XXXX XXXX I have disputed this account over 150 times and never have I done business with XXXX XXXX XXXX. 

Name and/or badge number of the law enforcement personnel who processed the report : XXXX XXXX XXXX Sheriffs Department XXXX XXXX XXXX  Case Number # XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-06-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal.com closed my account but refuses to give specific reason. No ability to appeal. I have no idea what I did or what part of their terms I allegedly violated. 

" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ENCORE CAPITAL GROUP 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:
Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report. 

I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ). 
This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION. 

Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX. 

This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt.

According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Synchrony Bank ( " bank '' ) caused a hard inquiry to appear on my XXXX credit profile without any legitimate basis which caused my XXXX XXXX to be reduced. When the bank failed to resolve the issue, I filed a Complaint with the CFPB ( Refer to XXXX ). That case was closed when the bank 's XXXX XXXX, issued her letter dated XX/XX/2022 dismissing my concerns and which provided irrelevant and condescending information regarding the difference between hard and soft inquiries as well as XXXX XXXX and an actual credit reporting entity. I responded to the bank and used this to reopen my case. Attached is a copy of my letter with attached copies of the referenced XXXX XXXX letter and a copy of the actual hard inquiry. I have also referred the handling of this matter to XXXX XXXX, XXXX and XXXX or Synchrony Financial.

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 2023-06-11
Company: Zions Debt Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This initial debt goes back to my old property down in XXXX XXXX NV, initially owned by XXXX XXXX XXXX and now owned by Zion Debt Holdings who purchased said account. Initially, I have spoken to XXXX, XXXX XXXX XXXX XXXX XXXX who harassed me over the phone when I told them multiple times that this contract was passed on to the new owner. 
The listed complaint in question is for address XXXX XXXX XXXX, XXXX XXXX NV XXXX on XXXX and the property was sold. 

As per the Nevada Real Estate Residential Purchase Agreement.

FIXTURES AND PERSONAL PROPERTY : The following items will be transferred, free of liens, with the sale of the Property with no real value unless stated otherwise herein. Unless an item is covered under Section 7 ( F ) of this Agreement, all items are transferred in an AS IS condition. All EXISTING fixtures and fittings including, but not limited to : electrical, mechanical, lighting, plumbing and heating fixtures, ceiling fan ( s ), fireplace insert ( s ), gas logs and grates, solar power system ( s ), built-in appliance ( s ) including ranges/ovens, window and door screens, awnings, shutters, window coverings, attached floor covering ( s ), television antenna ( s ), satellite dish ( es ), private integrated telephone systems, air coolers/conditioner ( s ), pool/spa equipment, garage door opener ( s ) /remote control ( s ), mailbox, in-ground landscaping, trees/shrub ( s ), water softener ( s ), water purifiers, security systems/alarm ( s ) ; Section 7 ( F ) Listed the alarm. 

I have contacted XXXX and have told them multiple times that there was a new owner and to be in contact with them. They continued to call to collect. 

In addition, the two subsequent companies, now Zion Debt Holdings who's holding the contract. 

The contract in question doesn't have a note that I have sold the contract and/or contacted the company to cancel. 

Now, Zion has arbitrarily placed a collections mark in my account dropping my credit score hurting me financially as I can not get any type of lines of credit and/or corporate credit cards affecting my work. 

I have nothing to do with this debt and I want this removed from my credit and this company to cease and desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to you guys because I had a Credit line with citi bank. During this inflation things have been hard on my family and I making it almost impossible to keep up with my bills. I had a balance with citi bank and I happen to receive a settlement offer. I happen to accept the offer, when I called today to find out why there has been no change in my account I was informed my account has been closed. I was never informed of my account being closed nor was I ever explained any of this when I called to make arrangement for the settlement. I was extremely disappointed because I was thinking I was being able to settle things and not have my credit affected but this company has closed my account not allowing me to be able to make things right. I took the settlement because I didnt want my credit being affected and this will affect me the same way. I have reached out to citi bank and was told there is nothing they would be able to do. The only thing left for me to do is reapply. Which I dont how that would make any sense. This company did not try to help me nor care about my finances. I would like to get help on being able to fix this matter

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 2023-01-14
Company: ERC
State: MI
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 XXXX XXXX XXXX that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had XXXX  phone service since XX/XX/2022 ENHANCED RECOVERY CO L XXXX ( XXXX XXXX XXXX ) {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TX
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FOURSIGHT Account Number : 3187 Delete this account. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: Account information incorrect

Complaint:
Between the end of XXXX and XXXX of 2022, I was approved for a line of credit of {$8000.00} through XXXX. Rather than transferring funds as needed into my existing accounts, I requested a separate credit card which the institution granted. The primary purpose of the loan was to have an active account reporting to my credit report to help increase my score. When I applied for the loan, my score was close to XXXX. Upon review of my credit report after the approval of the line of credit, I found that my score had plummeted XXXX points. When I spoke with a XXXX representative, it was confirmed that the {$8000.00} was cashed and deposited into a new account in order to issue the credit card which XXXX did not advise me prior to doing so. I am very aware how this would affect my XXXX and credit score therefore I would have never authorized the loan to be cashed and deposited. I asked for the name of the representative that processed the transaction and was not given the information. Aside from the issue with the personal line of credit, I was also informed by another XXXX representative that a monthly fee was being charged to XXXX of my accounts that should have never been charged since the account was meeting the requirements for the fee to be waived. I requested over the phone and in person for my account to be reviewed ; neither of the representatives provided assistance as I requested. I have contacted the institution via phone, online chat, and in person regarding the issues with my accounts. I am constantly pawned off to the next person and no one is willing to assist. I have given the institution and theit representatives ample opportunities to fix the issues at hand. I'd like to move forward with your assistance as the issues persist at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened in my name this is a fraudulent account I have tried to resolve the issue with the credit card company Destiny Account # XXXX no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Conn's, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered a Laptop on the XXXX of XX/XX/2022 from Conns Home and the lap top was never deliver. i have called them severally and they told me the laptop was out of stock. and amount of {$930.00} was reported to my credit on XXXX XXXX and is showing " in good standing '' Please i kindly want it to taken off. It is hurting my credit report and i am not making any payment. i have earlier reported it here and no action was taken. Kindly look into it. The name of the company reporting it on my credit is CONN CREDIT CORP. Thank you

Company response to consumer: Closed with explanation