BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: MO
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:
Certified mail/return receipt has been sent as of XX/XX/2021 to Equifax. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, Equifax is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). Equifax has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, EQUIFAX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to EQUIFAX, this is not a third party and I have sent EQUIFAX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/1922 I received a letter saying I owe XXXX {$170.00} and American Corsairs International LLC was trying to collect the debt. I contacted XXXX and they said I dont have any outstanding debts nor do I have an account number what is stated in the debt collector letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a had a credit card with Citi for quite some time ( around a year ) without issue. I recently opened a checking and savings account and connected it to my credit card, the idea being to have all of my money in the same place. 

I made two small deposits, around {$1000.00}, initially in order to set up my account. Seeing that these went through I then cashed a check from my job and also transferred {$10000.00} from my previous bank. 

At this point both my checking and saving 's accounts were blocked, I assume as they were flagged for fraud. I tried to get in contact with the fraud department, but was left on hold for 3 hours. This was early XXXX. I did not receive any contact from Citi during this time. 

Today, the XXXX of XXXX, I attempted to log in to see if my accounts had been cleared yet. I was unable to login at all. I made another call to the fraud department and was able to get through after an hour. I was informed that my account had been scheduled for closure and that this may take up to 60 days. I asked for more information, but was told that I just had to wait for a letter to arrive. 

The associate was unable to tell me when the letter was sent, when it was likely to arrive or any other information about my account. I asked to speak with a supervisor and was informed that none were available. The associate did not confirm my address.

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 2022-08-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was fraud on my checking account so I closed the account with the bank manager at my Wells Fargo branch on XX/XX/2022. At that point we opened a new account. On XX/XX/2022 the bank let a check for XXXX go through that was from the closed account and they took the money out of the new account. Wells Fargo has not refunded me the money even though they know it is fraud. I have been a customer for over 20 years and no know can give me an answer as to how this could happen when the account had a hard close on the 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 monetary relief
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check on XX/XX/XXXX for {$2300.00}, for which I received the notification from Chase Bank that {$100.00} has been credited to my account immediately, whereas the remaining amount i.e. {$2200.00} will be credited on XX/XX/XXXX and the amounts were credited too, which made me realized that the check has got cleared. In turn, I refunded the money back to the person who sent the check by mail ( who apparently was a fraudster ). 
Later, on XX/XX/XXXX surprisingly the said check got bounced and I saw a debit on my account. 
Between XX/XX/XXXX and XX/XX/XXXX, I made lots of call to Chase Bank, and they confirmed that they credit the full amount once they get confirmation from Issuing Bank, but couldn't confirm why the check can get bounced later. Also, when I dropped an email to them on XX/XX/XXXX, they never replied back to me with the clarification. 
Because of this, I landed to a situation wherein I lost {$2300.00}, and Chase is not providing the amount back due to flaw in their policy/process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a credit account under a open end computer credit plan as late for any purpose. 

American Honda Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
hello Back in XXXX i decided to close my credit cards ( capital one, XXXX XXXX, XXXX ). 
things went smoothly and just fine The only issue happened with capital one. 
After I paid and the customer rep confirmed payment ( i was using my XXXX XXXX bank debit card and there was sufficient balance ). 
after XXXX months they sent me a statement that payment didn't happen and i owe them an amount plus interest. 
I called them and i refused paying interest for the reason ( they willingly didn't process payment nor send me monthly statements in order to accumulate interests and fees toward my balance ). secondly what happened is not supposed to be a matter of mistake as the rep confirmed payment. He supposedly got an immediate response from the network about that??? 
They insisted on getting interest and fees and i refused to pay them. i end up saying to them am leaving the country and am not sure when i will be back however am willing to pay them right now for the amount am paying when i called to close my card, finally they agree and i paid them immediately. 
yet they obscured my credit score and am not able to get my credit score nor other companies.

i remember i was in good standing with my credit overall and am supposed to be having a credit score as I am debt free and i paid off all my cards.

They dint wan na lend me they are free and am not willing to deal with them again anyway but preventing me from having a credit score and seizing my access to other lenders is completely wrong. 

Thank you for taking the time to read my message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for credit card after divorce. Provided information they requested, including balance transfer amount. They approved me, then sent a letter after they opened the account saying that they couldn't transfer the full amount- which was the only reason for opening the card. Should have been asked if I wanted to open the account anyway, but they just did it. When I called and discussed assets, they wouldn't consider assets not held at Bank of America because they couldn't verify them. Account should have never been opened since they couldn't do what I was asking for. 
Spoke with XXXX in Arizona on XX/XX/2022.

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 2022-08-23
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They offer me the credit for Apple on my phone but Im always getting denied without being giving a chance because people do change. I understand that I have some delinquent stuff on my credit but its majority Student loans. If given a chance for a line of credit I will make my payment if I have to use the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: LEXISNEXIS
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:
According to 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. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX ANY written consent to furnish anything about myself on my consumer report. 

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 reports by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-12-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had started to open an account with this service, to purchase an item online. After realizing there was a direct way to pay, I called Customer Service to try to close my account, as it was unnecessary now. The representative then told me to finish making the account ( providing ID etc. ), then it would be closed. I did so, then immediately after, my account was " permanently limited. '' Now, I can not use the service, or any other online vendor that is powered by it's system, as my information is recognized ( even if the vendor isn't directly using said system itself ). I never used the account, am not a minor, and did not break any rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are Santander Consumer USA and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.

On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.

I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.

I will take action against you for these violations and abuse. 

Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. 

Which you failed to do AND you posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. 

I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. 

I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. 

Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''

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 2022-08-01
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:
Equifax refuses to update my account information. 
XXXX XXXX XXXX-paid in full -XXXX XXXX Account XXXX  paid in XXXX accounts -XXXX  paid in full XXXX XXXX XXXX XXXX paid on Time This company has penalized me by keeping my accounts updated and paying them on time.

My credit score dropped when I
paid off several of my credit cards 2 months ago. But I notice my husband score when up> This company has many breaches regarding my credit report and fail to stop giving out information to companies that I have not done business with after I filed identity theft reports. They have let other people use my information to get credit ( apartment ). 
I do believe this company 's inaccurate or incomplete has hurt my changes on getting a job. This company has been reporting derogatory and inaccurate statements and information about my credit but refuses to update my information as well. 
Despite my efforts of sending letters to this company they refuse to up date my credit information and keep providing me with a lower credit score-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ProCollect , INC . this collection agency trying to collect money for me {$97.00} I called them yesterday I told them this situation I resolved them several years ago. But she dont want to listen to me. All she keep telling me I need your credit card and you have 3 days to pay this bill.

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 2022-09-27
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
tonight they called at XXXX and XXXX. this is almost a daily occurrence. most of the time they let it ring twice and hang up not giving me time to answer. i have told them before to stop calling me. also requested a letter of my debt and never received it. most of this was covered by a financial assistance and this company offered no help to solve these issues. it is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
In accordance with FCRA. this creditor has violated my rights under 15 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.

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 2022-08-01
Company: EQUIFAX, INC.
State: NY
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:
Since XX/XX/XXXX I have tried to get the credit bureaus XXXX, XXXX, and Equifax to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from XXXX, XXXX, and Equifax on XX/XX/XXXX, and still see 7 discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently deleted.

Company response to consumer: Closed with explanation