BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
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 recently checked my credit report to find these XXXX unauthorized inquiries on my credit 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 2023-11-17
Company: LFG Data Services Holdings, LP
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 LCI Consumer Dispute Department XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Dispute of Failure to Provide a Consumer Report Dear LCI Consumer Dispute Department , I hope this letter finds you well. I am writing to dispute the failure of LCI to provide me with a consumer report or all documentation you have pertaining to me, as required by law. 

As a consumer, I have the right to access and review my consumer report in order to ensure its accuracy and to address any potential errors. However, despite my request for a copy of my consumer report or all documentation you have pertaining to me, LCI has failed to fulfill its legal obligation to provide me with this information.

I kindly request that LCI immediately rectify this situation by providing me with a complete and accurate copy of my consumer report. This report should include all the information that LCI maintains about me, as well as any other relevant data that may impact my creditworthiness.

I would like to remind LCI that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies provide consumers with a free copy of their consumer report upon request. LCI 's failure to comply with this legal requirement is a violation of my rights as a consumer.

I trust that LCI will take this matter seriously and address it promptly. I expect a written response within the 30-day timeframe mandated by the FCRA, confirming that you have provided me with a complete and accurate copy of any records you have containing my information.

Furthermore, I request that LCI provide me with a detailed explanation for the failure to provide me copies of any documents with my name and information and any steps taken to rectify this issue. I also request that you provide me with any documentation or records related to my request for a consumer report.

Please be advised that I am prepared to take further action, including seeking legal remedies, if LCI fails to rectify this situation appropriately. I hope it does not come to that, as I believe in the importance of transparency and accountability in the credit reporting process. 

Thank you for your attention to this matter. I look forward to your prompt response and the provision of my consumer report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Square account was deactivated 2022. The last transaction I made on the square account was on XX/XX/2022. 

I had disputes on the account that was later cleared on XX/XX/2022. 

I have funds on my square account over {$4000.00} in which square has not allowed me to withdraw. 

When I complained to Square, I was given the following response. 

" Hi XXXX '' After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final.

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details ''.

In the first paragraph of Square response, Square said they are not able to process payment to my business which I accept because they already deactivated my account and stopped processing payment since XX/XX/2022. I am not asking Square to process any payment for my business, I am only asking to get my funds leftover on the account. 

In the paragraph two of Square response, Square mentioned about the agreement of card networks. I understand I had a disputes with my customers but those disputes were closed since XX/XX/2022 on square and so I am entitled to my money leftover on square. 

The disputes I had on Square were all closed and whatever agreement Square has with credit card networks is not applicable here because I do not have any disputes on square. I am only looking to withdraw my balance of over {$4000.00} leftover on my Square account after deactivation.

Square has refused giving me access to my money, they only talked about section XXXX and XXXX of user agreement which talks about service termination. 

I know square can terminate account by deactivation, but the funds has to be given to the owner after 90 days. 

In my own case, the decision for square to hold my funds since XX/XX/2022 is u justifiable without any disputes. 

I have uploaded a screenshot where Square said they will not support processing payment for my account. I have made it clear to square that I have accepted the status of my account to remain deactivated, but that I need to get my money out which has been sitting there unjustifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I requested a copy of my title to register my car in XXXX. In XXXX XXXX I followed up and nothing was done yet. Fast forward to XX/XX/XXXX and nothing has happened. We have now retained an attorney since I can no longer drive an unregistered car and we are prepared to sue if Hyundai doesn't get their XXXX together. All we need is a COPY OF THE TITLE!!!! And Hyundai refuses to give it out. By far the worst customer service ever received and we are prepared to go to the end of the Earth to register my car.

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 2023-11-17
Company: MOHELA
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My federal student loans through Mohela were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover turned my account over to collections/attorney and a garnishment was issued against my paycheck. No paperwork or calls were sent/made to me before I received the garnishment notice from my employer. Discover will not give us any information since this is with an attorney/collections. Charges were made in XXXX, judgement made in XXXX. Garnishments started in XXXX. At no time was I contacted or made aware of this process until I received the garnishment and I have been told nothing could be done since it was already filed and approved. We dispute the charges of XXXX  and need help getting this resolved. Again, no notifications were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Asset Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was opened up fraudulently in my name through XXXX XXXX. Their partner bank that services the cards is XXXX XXXX. On XX/XX/ I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to XXXX XXXX. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of XXXX XXXX to close it through them. XXXX XXXX  XXXX reviewed my claim and found the XXXX XXXX account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from Asset Recovery Solutions , LLC attempting to collect the same debt from XXXX XXXX for their client XXXX XXXX XXXX  XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to XXXX XXXX and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX allowed me to submit the required documentation to start my fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-06-12
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( XXXX XXXXXXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance.

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 2023-06-08
Company: EQUIFAX, INC.
State: IA
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-18
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First credit trying to collect a medical bill from XX/XX/2022 and I havent even been to the doctor on that day, I never even went to hospital that day, I'm not paying for something when I wasnt even at XXXX XXXX main campus XX/XX/XXXX. I havent even seen a doctor that whole month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I filed a FTC theft report because I found fraudulant account on my report and nobody will help me get them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: CA
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:
I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Spam calls I was unaware were Discover bank since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged an extra {$670.00} as XXXX of the automatic monthly payments from Kia Motor Finance America. I am expecting a refund of the said amount charged to my bank account on XX/XX/2022 after my car loan was paid off on XX/XX/2022. I reached out to Kia Motor Finance America at least XXXX times since then, filed several complaints, left a dozen voicemails and have still not received the said amount. I request you to please help me get my refund. 
Please let me know if you may require any additional information regarding this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NM
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  # 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