BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I set up a money market account to protect my money. I was contacted on XXXX to purchase a product. I purchased it using XXXX. Once I sent the initial transaction, I was told they didn't receive it. I sent it again and was then told I needed to add more fees. I was then threatened to send more. Once I realized in was a scam, I tried to get it stopped, but I believe some of the transactions were not even authorized on my end. I went to my bank, they opened a case or so they said, and then a few days later demanded I close my account and move on. As you can see from the transactions I am about to list below, " just moving on '' is not right. I was scammed. I have the text messages to back up everything. This is not a small amount of money. Frost bank and XXXX have just thrown up their hands and said " oh well ''. 
Date. Amount. 
XX/XX/XXXX. {$250.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-04-25
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

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 2022-06-07
Company: ACRANET INC
State: PA
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 below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX finance XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022 I applied for a loan with Conns home direct for an XXXX laptop. After repeatedly trying to contact them on movement of the product, I finally canceled the purchase over email with their team, which I got confirmation the cancelation was made. On XX/XX/XXXX, I found the purchase on my credit report. After calling multiple times, I found the computer was purchased in XXXX ( a new and separate purchase ) and delivered on XX/XX/XXXX. During that time, I never received emails to confirm the purchase, sending the tracking information, or any of the other emails that were sent with my previous purchase. Also, there was not any logs on my nest doorbell of any delivery for that day that may have been stolen. I requested the company remove this information from my credit report over the phone AND through a credit dispute. They in turn updated the dispute to show a payment was made, which I did not do. And have not made any attempt to cal back. On my calls with them, I confirmed all my information was correct so how I never received or show any of this from my emails, payment account, or delivery address screams that there is something more going on other than someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: CO
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 XXXX XXXX XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2022 I transferred XXXX USD from my HSBC US checking account to my nieces account in my home country XXXX via a wire transfer. While i put all the account details correctly, i typed the wrong bank name which resulted in the transfer not making it through. 
After 2 weeks i called my bank and we corrected the transaction details but the transfer never made it through neither was it returned to my account. Its been almost 2 months now, i have called the bank several times, they promise they will follow up with the transaction team and call me back but they never do. I want the money to return back to my account but HSBC hold the money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing an account thats has been being reported on my credit report since 2018. This account has been paid off since 2018 and I have been disputing it for three years. I have emailed a statement from XXXX XXXX to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TODAYS DATEXXXX ATTENTION DISPUTE DEPARTMENT RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTIONS XXXX # XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/1978 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I contacted Capitol One regarding a payment {$1200.00} that was for XXXX statement but applied to XXXX statement. Spoke to a manager that informed me how payments are allocated if paid before closing date. He was unable to move payment so he notated account of issue, waived late fee id applied and that no payment was due XX/XX/2022. He also confirmed cancellation of 3 payments scheduled on XX/XX/2022 for amounts below due to allocation concerns. 
1. XX/XX/XXXX {$100.00} 2. XX/XX/XXXX {$200.00} 3. XX/XX/XXXX {$200.00} During the call I rescheduled 2 payments for amounts below. I have been in contact with Capitol One mulitple of times requesting that canceled/unauthorized payments are refunded. Capitol One has refused to refund payments and wouldnt explained why payments were drafted after canceled and 2 payments on different dates ( 1. XX/XX/XXXX - XXXX and XX/XX/XXXX - XXXX ). On XX/XX/2022 I spoke to a manager by the name XXXX who created a ticket to have payments refunded promised to follow up with me on request on XX/XX/2022, manager never followed up. I also requested during that call that my account is reviewed for accuracy ( balance and interest ). I was advised that a different department will follow up within 7 to 10 days. I havent received no follow up. On XX/XX/2022 I contacted Capitol One again spoke to manager XXXX who advised me that request to refund unauthorized payments were denied. She was combative and refused to provide any further information and disconnected call. 
1. XX/XX/XXXX {$1500.00} 2. XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MO
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  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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 explanation
Consumer complaint received 2022-06-28
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES has absolutely been the worst company I have ever had to deal with ever. 

I started getting letters about them being my new student loan servicer. Never once did they say they were taking over servicing of my XXXX loans. As such I was confused when I started getting calls that my loans were past due since the CARES act was still in force and these should have been covered. 

I called AES to figure this out and was given the runaround by an agent and left more confused than satisfied. She never once told me that these were XXXX loans not subject to the act, she just kept saying they don't apply. 

I had to figure everything out on my own and once I got the loan current online. Then to my surprise today I got an alert from XXXX stating that my credit just took a huge dump because AES put 3 alerts on my report that my loans were over 30 days past due. 

I called again and asked what the deal was. The agent claimed that the reporting took place at the end of XXXX and he's not sure why I just got an alert today and why there were 3 separate past due reports. 

Ridiculous. 

XXXX never once reported negative information. In this day and age with such a low dollar loan it is flabbergasting that a company with a brand new relationship with me would go out of their way to report negative information to the bureaus. Especially after the unfair and deceptive calls I had with them and letters I received. 

AES should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXXXXXX XXXX  account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation

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