BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Mid South Adjustment Company contacted my employer to verify employment, I am actually the office manager so I am the one who took the call, I let them know it was me they were speaking to. They refused to tell me what the call was regarding transferred me to a different department and continued to ask for my address and date of birth, I refused to confirm any of my personal information unless they could tell me what the call was regarding. They would not tell me anything in regards to what type of company they were or why they were calling. I than googled the phone number and came across the article stating they were a debt collecting company and there have been ongoing complaints for harassment. They have not contacted me via my own personal number ever one time, so I find it extremely un professional and violating to contact my place of employment. I would have been more than willing to discuss whatever the matter may have been however they refused to even tell me what the call was even regarding without giving personal information. It is definitely a violation and I do not want this harassment to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: PA
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:
TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pursuant to 15 USC 1681 ( b ) ( 2 ) -Permissible purposes of consumer reports ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly demanded that Transunion stop furnishing erroneous, inaccurate, identifiable location information on my consumer report. However, they have failed to comply. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. These people have not been responsible, fair, nor impartial, and they have not been respectful of my right to privacy, and I am tired of this XXXX! They have caused me grief and great stress in my life and my rights have been violated due to everything they are falsely saying about me ; In addition, I have been denied credit 4 times due to what you are saying about me. The alleged information you are allowing these furnishers to report to you about me has not been fully investigated and was not brought to my attention. What makes this worse is that Congress states that you are not even government, and you have assumed this role, which is considered fraudulent, scamming, and Identity Theft.

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 2022-06-28
Company: Experian Information Solutions 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 actXXXX XXXX XXXX XXXX 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. 

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


Please remove this account.

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: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking account with Capital One bank. On XX/XX/2022, I placed a check in a public mailbox outside a US Post Office. The check was for {$360.00} to the XXXX XXXX XXXXXXXX XXXX to pay taxes. On XX/XX/2022, I saw on my bank statement that the check had been cashed for {$1400.00}. I looked at the image of the check and " IXXXX XXXX XXXX XXXX '' had been covered with white-out and the name " XXXX XXXX XXXX had been written over it. The amount of {$360.00} had also been covered with white-out and {$1400.00} had been written over it. I called Capital One that same day and reported the fraud and that my check had been stolen. The person I talked to on the phone agreed that this was an obvious case of fraud and said they would investigate the fraud and refund the stolen money. I also reported the mail theft and check fraud to the police. 

Now three months have passed, and I have not gotten a refund of the stolen money. Every time I have called Capital One ( I have called customer service several times in the past three months ), they have said the investigation is still ongoing and there is no way to estimate how long the investigation will take. I can not understand how the " investigation '' is taking so long when the fraud was so obvious ( the white-out over both the name and the amount is visible on the check ). Capital One has also claimed they have no duty to screen checks for authenticity before withdrawing the money when someone makes a mobile deposit of the check. It seems completely irresponsible to not review the check before letting the money out of a customer 's account, when mail theft and check fraud are apparently so easy to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my wallet and had multiple transactions on my XXXX card that I did not make. 
I called XXXX as soon as I realized this and I was assured all transactions would be looked into. I had the need to call XXXX extra times as that didn't happen. Now I am seeing all charges re-posted and customer service does not know why. I received no communication about this as well.

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 2021-11-25
Company: EQUIFAX, INC.
State: ID
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CORELOGIC INC
State: MS
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:
On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to Section 605B, these items were to be removed from my file within 4 business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from XXXX, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SYNCHRONY FINANCIAL
State: PA
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:
Someone has opened/obtained a credit card under my name. The account was opened on XX/XX/2022 with SYNCB/PPC with a {$3000.00} credit limit. There is a charge of {$2900.00} on the card. The banks address is : XXXX XXXX XXXX XXXX FL XXXX, ph # XXXX. 

I did NOT open this account. I have never received anything in the mail as far as a statement or any other information from the bank that issued the card. I want this this account shut down and removed from my credit report. 

I had a great credit score prior to this incident. 

Your assistance in this matter is greatly appreciated.

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 2022-11-30
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have Comenity cards with Victoria 's Secret and Express. I have been trying to get into my account or call to edit my payment amount so it will not overdraft my account. The sites have been down for days and their phone number is not working. I should have been able to change the amount, and I was denied the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
My mortgage with Shell Point Mortgage was sold to another company more than a year ago. On XX/XX/2022 I emailed Shellpoint and asked them to update my credit report to show that the mortgage was closed. It's been almost 3 months without a reply from them and the mortgage accountstill appears opne on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: ADIR INTERNATIONAL LLC
State: NV
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:
For the last few months I have been disputing this account ( CURACAO ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now CURACAO is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside CURACAO be held responsible far as making correction to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Cascade CISS Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Nonresponsive in regard to helping me resolve or investigate my concerns. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXXXXXX XACTUS  XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX 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 2022-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX  {$1000.00} - XXXX XXXX {$930.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX {$75.00}

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:
Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$930.00} -XXXX XXXX XXXX {$740.00} -XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX  {$75.00}

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 2020-04-16
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX Square Account Services deactivated my account after advising they were not able to support my business needs. In an email on XX/XX/XXXX, Account Services advised that any funds currently in my account balance will be held for a period of 90 days and released to my on XX/XX/XXXX and that the funds will be available in my bank account within 2 business days. They indicated that the release date and amount available for release are subject to change if they received additional chargebacks. However, there have been no additional chargebacks since the account was closed and unable to process transactions subject to chargeback. I have emailed over a dozen times and they continue to push the date back. Without notice, I am now told I must wait an additional 90 days. Square continues to withhold funds acquired by my business 120 days ago and are legitimate and valid charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-11-26
Company: EQUIFAX, INC.
State: TX
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:
My information was sold and bought illegally because I was a victim of an Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. List all the account names and negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: DISCOVER BANK
State: ID
Product: Credit 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:
Refundable deposit of {$3000.00} paid on XX/XX/2023 to XXXX XXXX on our Discover card. 
Instead of contacting the vendor in XXXX for the refund, we filed a dispute with Discover to recover the funds. We supplied the refund letter from XXXX XXXX. Discover issued a temp credit to our card and contacted the vendor. 
Discover received validation of the charge from XXXX XXXX and denied our refund request. They posted the amount and interest back to our card. 
We contacted XXXX XXXX directly to obtain the refund. They agreed to issue it but then said they could not access the funds because Discover had refunded the money. 
I corresponded back and forth between Discover and XXXX XXXX  for months being denied by each one. They are pointing fingers back and forth saying each one has the money to refund. 
Discover said I need to get a statement saying that the funds would be refunded back to the same Discover card instead of the refund letter that I had. 
We sent a statement from XXXX XXXX saying the moneys were refundable back to the Discover card used for payment but Discover is still not accepting this. 
We have been charged approximately $ XXXX in interest thus far.

Company response to consumer: Closed with explanation