BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Credit Bureau Services of Iowa Inc.
State: IL
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, CREDIT BUREAU SERVICES has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX XXXX. I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TransferWise Ltd
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello. 

I booked a vacation rental in XXXX, XXXX that I discovered on XXXX The listing on XXXX directed me to this website. XXXX XXXX XXXX 

Through this website I inquired about the vacation rental I was interested in. I received a response. I was told the property is available and that I needed to transfer the full amount of the rental in order to secure the booking. Because this was through a XXXX booking site, they only allowed direct bank transfer. I used a site called wise.com to transfer XXXXXXXX euro into the account information provided. XXXX XXXXXXXX. I then received a confirmation of the booking. Also I was told I could cancel up to 24 hours before the booking.

When I tried to access the listing a few months later, it was completely gone. When I canceled the booking, I never received a refund. When I tried to contact the agency XXXX XXXX XXXX  I never received a response. 

Upon further inspection, this website is clearly fraudulent. Listings and descriptions dont match locations etc etc. They bate people through XXXX with the lure of a cheaper booking on their website. They further incentive the booking by allowing for a generous cancelation policy. 

I have reported this website and fraud to the US FTC and a local police precinct in XXXX, XXXX. 

I used Wise.com to transfer the funds to XXXX. One payment from my US checking account and one payment via my us XXXX credit card. 
I have requested that wise request a return of fund from your bank, but they do not seem able to do this. 

I will attach documentation of all related transactions. Email communication and police report. 

This website is still active and likely continuing to steal money from people. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPSERVICING LOAN XXXX THIS HAS TO DO WITH COMPLAINT XXXX WHICH SPSERVICING HAS REFUSED TO RESPOND TO MY ISSUES, NAMELY... 

1. I HAVE BOTH FLOOD AND WIND INSURANCE ON MY HOME. 
2. I HAVE RECEIVED XXXX SETTLEMENTS, XXXX FROM FLOOD ( XXXX XXXX ) AND XXXX FROM WIND ( XXXX & XXXX ) ; 3. I HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS AND CHECKS TO SPSERVICING FOR THE FLOOD PORTION. THEY STILL HAVE OVER {$9.00}, XXXX OF MY, REPEAT, MY SETTLEMENT MONEY FROM THE FLOOD INSURANCE. 
4. I HAVE RECEIVED A SETTLEMENT CHECK FOR OVER {$18.00}, XXXX  FROM WIND ( XXXX XXXX XXXX ). I HAVE FORWARDED ALL THE REQUESTED DOCUMENTS TO SPSERVICING BOTH AT THEIR FAX NUMBER AND ON THEIR XXXX WEBSITE; XXXX. THEY CONTINUE TO REJECT THE ADJUSTER 'S ESTIMATES FOR THE WIND PORTION WHICH I HAVE SUBMITTED ( SEE ATTACHED PAGE.PDF ) XXXX. I HAVE CALLED NUMEROUS TIMES AND THEY ARE NOT, REPEAT, NOT RESPONDING TO MY CALLS OR ALL THE FAXES AND UPLOADS REQUESTING AN EXPLANATION OF WHY THEY ARE REJECTING THE ADJUSTER 'S ESTIMATE ( WIND PORTION ) AGAIN THIS HAS NOTHING TO DO WITH THE FIRST FLOOD CLAIM WITH XXXX XXXX XXXX. 

THIS COMPLAINT HAS TO DO WITH THE WIND CLAIM WITH XXXX & XXXX / XXXX. SPS SERVICING IS REJECTING THE ADJUSTER 'S ESTIMATE AND IS REFUSING TO TELL ME WHY SO THAT I CAN RECTIFY THE PROBLEM THEY HAVE AND GET MY ROOF REROOFED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
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:
there are three charges on my statement that were voided bc i paid cash for the transaction there refusing to take my dispute there following XXXX law not american law in violation of the FCBA please help these charges are almost XXXX charges are XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX XX/XX/05 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 2023-03-29
Company: EQUIFAX, 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:
Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX  Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX  XXXX XXXX Unsecured loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX XXXX XXXX credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account # XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a fake email saying I opened a credit card from chase bank. I didnt realize it was fake and called the number on the email. I gave them all of my information foolishly. I immediately felt something was wrong so I called chase directly from their website. I explained everything and they said they would cancel the credit card and report it to the credit bureau involved as fraud. I asked chase for information on who did it or what information they had. They wouldnt tell me any details. I have the fake email and phone number of the people posing as the bank. I have the XXXX credit protection and lock but somehow they didnt detect this and gave my report to chase even though my report is locked. So buyer beware, your credit is never truly safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off the entire amount and on my consumer report it is still showing that I owe Merchants Credit Guide in the amount of {$700.00} dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
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:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i reviewed my consumer reports and noticed that i had several late payments on an account that i was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. i have never been late on XXXX XXXX XXXX  this account # XXXX and account is paid in full. Please investigate and provide Proof with statements showing that these payments were late. if proof cant be provided i demand that payments be updated to on time as they should be as I was NEVER Late. thank 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: State Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls repeatedly. Today ( XX/XX/2023 ) they called once at XXXX and again at XXXX. They called twice Tuesday the XXXX and typically call 2-3 times a day if not every other day. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Bread Financial Holdings, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The inquiries on my credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Kriya Capital, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So far I was not getting any letter from this debt collector Credence resource management since XXXX. Now I just got the letter again in the mail today on XX/XX/XXXX I do not lease anymore from t mobile I want this disputed Right now!. I can not afford to pay the {$1500.00} Im no longer leasing from XXXX XXXX They keep harassing me. I do not have the rights to pay this. I want this to stop immediately I will take this into legal actions If THIS DOES NOT STOP. I only have one job and I am on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance my mortgage and paid it off in full in XXXX  with XXXX  XXXX XXXX. Frivolous foreclosure was started in XXXX  without legal proof of cause for action. Bank fainting provides Federal Truth In Lending Disclosure got that closing timely, illegal attempt to foreclose with their own attorney acknowledging missing instruments for over 9 to 16 years. Proof of cancel debt and frivolous filing of 1099 with IRS of Interest payments when no money was tender.violation of Federal truth in Lending, collection, and billing act. And, FTC law. Manipulation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Synovus Bank
State: DE
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 a 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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Please send any inquiries You made to any credit bureaus between XXXX and XXXX Send copies of your inquiries and the results of your inquiries and all responses from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Spring Oaks Capital, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX and Spring Oaks Capital LLC has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
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:
I do not agree with the previous response received from this company!! I am not liable for this debt of {$430.00} with LVNV FUNDING LLC, LVNV FUNDIN LLC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested wit my wet signature and ID verification. Also on my recent report it is showing a positive payment history of on time payments going up to XXXX and that the account opened in XXXX of 2022 but how is that possible if I never had a contract with lvnv funding llc! I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX I made a purchase on XXXX for some curtains on my paypal XXXX and received an item that was not as described. I opened a paypal dispute with photos and paypal admitted it was not the item I ordered. The said a refund was due, but I would need to ship it back. The return address was provided in XXXX. I received multiple shipping quotes that came in around {$500.00} to ship the item back. The item originally cost {$250.00}. I fought the dispute on paypal, but ultimately lost. I opened a previous CFPB complaint and paypal responded. They lied and intentionally left out information in their response to the CFPB. I opened an investigation with the credit card servicer XXXX and after some time they concluded there was definitely fraud that happened on the card and refunded my money immediately. I've been attempting to close my paypal account for the last 4-6 weeks and paypal continues to make up stories and excuses why they can't close it. They locked me out of my account and I can not sign in any longer and told me it was closed, but calling in today I found out the account is still active and mine is one of many that " that can't see to figure out how to close ''. I read this over a recorded line to XXXX on XXXX

Company response to consumer: Closed with explanation