BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2023, my client, XXXX XXXX, utilized the XXXX payment platform to transfer {$170.00} from his Bank of America account to my XXXXXXXX XXXX account as payment for services rendered. The provided information for the transaction was accurate. Although I have successfully received both before and after XXXX payments, I have yet to receive this specific payment. While the funds were deducted from my client 's account, they were not credited to mine. I have attached two screenshots containing my XXXX information and transaction details, including the XXXX Transaction number, which should facilitate tracing the transaction. I have contacted my XXXX XXXX  regarding this matter, but they reported no transaction history or pending activity. Additionally, I contacted the Bank of America XXXX support line, but they were unhelpful and advised me to contact my bank, which I had already done. It is crucial that this matter is resolved as all previous XXXX transactions have been instantaneous. Failure to address this issue could lead to the perception that either Bank of America or XXXX has engaged in fraudulent activity. 

XXXX Confirmation # 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 2023-01-07
Company: Upstart Holdings, Inc.
State: CA
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:
I have attempted to contact the fraud department several times with the UpStart Loan company to report a personal loan that was taken out under my name and information, however I have not received any calls back despite attempting to contact them. I have spoken directly to customer service representatives on XX/XX/23 and XX/XX/23 who advised I would receive a call back, but have not been contacted at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates checked all 3 of my credit scores via hard inquiries without my permission and was apparently ignorant enough to think I wouldn't check. 

I would like to submit a formal complaint and have already been in contact with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Rent Recovery Solutions
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have rent recovery and other collections on my account that I did not attempt or live and the address they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR BANK OF AMERICA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-04-24
Company: EQUIFAX, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update the unverifiable accounts below : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$65.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$770.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$340.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX, 2022 I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX, XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : XXXX  ) Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-09
Company: SC Opportunity Fund LLC
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:
I am here by putting you in notice of the obvious violations opportunity fund has done to my person : 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations.

I will sue you in civil court if you dont comply its the law

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello My name is XXXX XXXX I have credit card for the limit of {$4900.00} with Capitol One I have had the card since XXXX, I have good payment history until the pandemic hit I experienced fraud so I used my card to survive at the time. The compliant I am submitting that Capitol one have been providing misleading information about my card and about programs I was told that I had 180 days to get my card together and that I was only at XXXX days. I was told that I could still utilize my card and it was not canceled. On XX/XX/XXXX I called in after making payments to get me current I was told it was a rule called the XXXX  day rule that they permanently restrict the account. This was my first time hearing this they had been telling me that my account is open, its being reported open to my credit as well adding high interest. I asked them for information to support what they were saying. I was sent a credit card agreement that never stated XXXX day rule it states XXXX day rule. So then I asked so why would you guys sit there and report the card open and I am not able to use it? Nothing in the agreement or on the website states anything about restrictions or soft closings. The account specialist did not have much information to provide she could not answer any of my questions, all of them gave different information, then they based the decisions on computer system but could not explain the results. I was also told that because I had them on do not call they did not tell me about any programs to get me on track when I called capitol one and asked. I had been calling them for months it was no letters sent out to support any soft closing or restrictions information, they then went and updated my account after being on the phone with them for hours saying it was restricted. I have pictures and also the credit card policy along with pictures I took off line. I feel discriminated against and believe they are practicing misleading scams on reporting accounts open they have closed to sit and build up interest with notifying the customer the account is closed, I have been calling them for the last 8 months. I was never notified of restrictions and now that I called and spoke about it they have put the notification up on my app. I have attached photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off account that has been reported on my credit report by XXXX XXXX ( account number : XXXX ). 

I would like to request proof of the debt and its validity, as I have no recollection of ever opening or using this account. Additionally, I believe that XXXX  XXXX may have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

Under the FCRA, it is the responsibility of the credit reporting agencies and creditors to report accurate and verifiable information. If they can not provide proof of the debt and its accuracy, the item should be removed from my credit report. 

I request that XXXX XXXX investigate this matter and provide me with the necessary documentation to verify this debt. If the company is unable to provide such documentation, I demand that the item be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX 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 2023-03-08
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XXXX  XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on XXXX  XX/XX/23 in XXXX, MN. An unknown individual ( s ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.

I filed a previous complaint in regards to this matter and received a response from the business today that I do not agree with, They said I physically used the debit card in question after I reported the fraudulent activity but that is not possible as I was not in possession of that debit card. When I first filed the dispute with Associated Bank, I was told they would do a full investigation and look at the video footage of the cameras at the institution where the fraudulent activity occurred but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via zelle. I called chase to open a claim and they told me they can not help me and closed the claim. I also called zelle and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared Zelle payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a credit card that was fraudulently opened in my name and charges were consumed. I was informed through the credit bureau that their was a hit on my credit from it and that's why I'm disputing this as fast as possible so I can get my credit back to where it was. I'm also trying to buy a home when this all happened and it has slowed me from purchasing a home

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEMS INC had purchased a debt from XXXX XXXX XXXX CO and is now attempting to hold me liable. 
I do not have any contract with TRANSWORLD SYSTEMS I and no obligation to pay, offset or discharge any debts not owed to them. 
I've asked for the Original contract with wet ink signature identifying the liable party making a claim that I owe a debt ( to them ) yet I have not received anything. 
This has negatively impacted my credit score. 
The amount of {$86.00} is attempting to be collected from a man but no other wo/man has identified themselves as the owed party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
XXXX XXXX under {$500.00} are supposed to be removed according to the Consumer Financial Protection Bureau. Equifax has not removed an account like they were supposed to which damages me as a consumer. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: MN
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 reported fraud for my Wells Fargo credit card and they file a fraud claim. My credit card was stolen and I received a text massage from WF asking me if I was the one making this charges and I inmidially replaid NO and I called WF to cancel credit card. I received a provisional credit and then after weeks they denied my claim. When I call WF and I ask why my claim was denied they told me because we believed ITS NOT FRAUD because I shop with this merchant in the past. I requested to talk to the manager and I make a complain so far no one have resolve my issue. I can not believed they denied me because I had shop before with some of the companies my credit card was charge. I told then I have this credit card for years and i always pay in full everymonth my balance. My credit is perfect and I am a very honest person. And I guess they dont care, I reported to the credit bureua already. I advised to WF not going to pay what i did not used. Period.

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 2023-02-21
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XX/XX/XXXX

Company response to consumer: Closed with explanation