BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Today is XX/XX/. I opened an account with Discovercard XXXX They required a deposit of {$200.00} or {$500.00}. I deposited {$500.00}. Today, when I told them I was going to deposit {$5000.00} as soon as the card was activated, they told me that is impossible with them. They said I could only ad {$50.00} at a time up to a maximum of {$2500.00}. That is useless to me. I had already found a card that uses a savings account to back the card and I can deposit any amount and then use the card for purchases, which is what I need. I called Discovercard and told them I want my {$500.00} back now so I can make a purchase of medical equipment. They said they " can't '' - translated " won't '' do that. They said the account needed to be fully set up and activated before I could get my money back and that it takes about 10 days for that. I told the rep to connect me with a supervisor or XXXX ( XXXX ) who said the same thing. I NEED MY MONEY BACK AS FAST AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}

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 2023-04-25
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Paypal closed my account with no warning resulting in a returned direct deposit, a returned tax refund and are now holding over {$500.00} in funds and refusing me access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MS
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:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IRS held funds from consumers tax return in XXXX and used the funds to repay student loan Dept to US Dept of Education in the full amount of over {$5000.00}. Information is still showing on all credit reporting sites. 


Please delete adverse information and accounts from consumers reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-09-21
Company: Experian Information Solutions 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:
XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
( 1 ) Wrong name and address on Credit Report ( 2 ) XXXX XXXX XXXX  pulled my credit/inquiry without my consent ( 3 ) Student loan balance are not the same when I first got the loans

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 2022-10-19
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 explanation
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I have 3 ongoing disputes with American Express. 
I slowed down spending on my AMEX card in order to keep better track of my account. Needless to say I was unpleasantly surprised when I realized despite spending around {$1300.00} on my most recent statement, my balance went up by almost {$6000.00}. 
I perused my recent statement and discovered : 1. A credit promised me in the amount of {$1600.00} is not reflected on my transaction. During the course of the dispute, it was charged and credited a few times. But it is missing my final credit. 
2. A charge I disputed in the amount of {$2200.00} was closed. I never received a letter stating this dispute was closed. I provided proof to AMEX but the airline claimed they offered me {$50.00} voucher to sit for 24 hours and I accepted and took the flight. As improbable as this sounds, AMEX not only believed but did not reach out to me for confirmation. I went in my Online PortaXXXX to look for a notice but did not see one pertaining to that particular dispute. I reached out to a representative in the chat and was provided a notice. Upon opening it, it did not correspond to this particular dispute. 
Aggravated, I reopened the dispute. The chat agent told me she had proof that the notice was emailed to me therefore my reopened dispute would not hold sway. 
I need a screenshot of their sent items with date and time stating this notice was sent to me iXXXX  of XXXX like they claim if they will not reopen my dispute. 
I am attaching the resolution letters even though they claimed it was sent the XXXX, as you can see only letter sent were in XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an unrecognizable XXXX XXXX XXXX  collection on my credit report dates XXXX XXXX with a balance of {$340.00} which is due to fraudulent activity. I am disputing this item and requesting it be removed immediately as it is not verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act Experian Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. Experian failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX Widget Financial Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB XXXX XXXX XXXX XXXX Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX - DUPLICATE LISTING XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. Experian has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.

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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I held a Capital One 360 Money Market account that was earning 0.80 % APY. 

On capital ones website, it advertises 360 performance savings account earning 2.0 % APY.

I called into capital one and was informed that my 360 money market account is a retired product that is no longer available, and that I could open a new 360 performance savings and transfer my funds into it in order to earn the higher interest rate.

My complaint is I was never informed that my money market savings product was retired and that it was replaced with a new product earning a higher rate. It seems capital one is purposefully not informing customers in order to save themselves from having to pay higher rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to report an issue I am having with my mortgage company, Nations Lending. After my house fire in XX/XX/2023, Nations Lending used a third party, the XXXX XXXX XXXX XXXX, to distribute claim funds from my escrow account. However, they have withheld payment of the remaining funds, which amount to nearly {$17000.00}. 

Although the contractors completed the necessary work in XX/XX/2023, Nations Lending is refusing to release the final check Despite our attempts to communicate and resolve the issue, they have been unresponsive and uncooperative. They refuse to put anything in writing or give us a number or name of someone to contact. 

I am extremely concerned about the potential legal consequences of this situation, as my contractor, XXXX, has already contacted his lawyer and is threatening to sue me for punitive damages. 

I would greatly appreciate your assistance in this matter. Thank you for your time and attention. 

Sincerely, 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