BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Mailing Address : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Violation of 15 USC 1666 - Demand for Removal of Negative Account from Consumer 's Credit Report Dear Sir/Madam , I am writing to address a serious matter regarding the consumer credit transaction and the violation of federal law as outlined in 15 USC 1666. It has come to my attention that LVNV Funding LLC has reported a negative account on my credit report, despite the fact that the debt was charged off or written off for profit by the original creditor. I am hereby demanding that LVNV Funding LLC immediately removes the account from my credit report in compliance with federal law.

Under 15 USC 1666, consumers are entitled to certain rights and protections in credit transactions. It is crucial that creditors and debt collectors adhere to the provisions set forth by this federal law, ensuring fair and accurate reporting of consumer accounts.

In this case, the debt associated with the aforementioned account was charged off or written off for profit by the original creditor. Therefore, it is a direct violation of 15 USC 1666 for LVNV Funding LLC to continue reporting this negative account on my credit report.

I hereby demand that LVNV Funding LLC takes immediate action to remove the account from my credit report within three ( 3 ) days of receiving this letter. Failure to comply with this request will leave me with no choice but to file a formal complaint with the appropriate federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action against LVNV Funding LLC for violations of federal law.

Please be aware that such violations may result in severe penalties and damages awarded to the consumer. I expect full cooperation from LVNV Funding LLC in rectifying this matter promptly.

I urge you to take this matter seriously and act accordingly to rectify the violation. Any further contact regarding this account must be made in writing and sent to the address provided at the beginning of this letter.

Thank you for your immediate attention to this matter. I anticipate your prompt compliance with my demand to remove the negative account from my credit report, thus resolving this violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XXXX. someone had used my debit/bank card ending in XXXX at various places such as ATM 's, gas statins, XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX, etc. This card and its information was in a seperate wallet that i do not carry with me at all times and was kept at home along with my PIN numbers and passwrds for this account and many others. All transactions are unauthorized or fraud as they were conducted without my permission and I have not received any benifit from. I have promptly notified US Bank and that I hall have zero liability for these transactions. There are additional transactions made onlince of which I need to file and report with IC3.GOV per your advise. My card was stolen. I last used and saw my debit card on XX/XX/19 either at US Bank or XXXX. And then I never saw again. 
Police report has been filed and attached.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In a few cases, Ive had withdrawals from my account that I did not authorize, and when I called the bank, they would reimburse me, but then take the money back, stating that my claim was not legitimate, and in some cases I was charged fees because my account was overdrawn

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital One is reporting this account as charged off. Capital One can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with Capital One is not public information and should not be released to XXXX. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore XXXX does not have my written consent to release my non public financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: FlexShopper, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Company has been repeating calling me in the morning and at night. They had called me on XX/XX/2023, They called again XX/XX/2023 and so on. The action I took was inform them that they need to stop calling me when im working and or not working. I also informed them that I have a debt collector company that is handling my debt on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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 previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct the following accounts from my Credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ive been recently fighting with CASH APP TO GET MY MONEY BACK!! 
My name is XXXX XXXX and my cash app is XXXX XXXX They keep declining my case and I reopened it XXXX times already lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use XXXX of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXX nc XXXX then it powered off XXXX min later couldnt track it so I filed a police report and now its been XXXX days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.

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: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX typeMultifamily XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex

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 2023-08-05
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from this Alleged Debt Collector Trying to demand a payment of {$330.00}. I'm attaching the letter received as reference, The amount is fully disputed due to the Fact I suffered a Physical Assault by an Employee of the XXXX XXXX XXXX XXXXXXXX around by that time, I was paid by the city of XXXX XXXX property damage, medical expense, The XXXX XXXX XXXX XXXX Forgot to dismiss this False Parking Ticket it was a part of the settlement at that time. 
Thats the reason I want to escalate to the Attention of the CFPB since the Alleged Debtor Harris & Harris LTD 's Fraudulent business Practice is trying to collect an amount of {$330.00} I don't owe to none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: CA
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 sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to request assistance and file a complaint against USAA federal Savings Bank for refusing to close my accounts with the Bank. Since XXXX, I have been trying to close my USAA and bank account and been running into a number of issues. Every time my bank accounts with USAA have been closed, a few months later, they are reopened by a fraudster in violation of bank rules and regulations. 

In XXXX and XXXX, I called USAA many times and expressed my desire to terminate my business relationship with them and close my bank account. Each time, they stonewalled me and tried to talk me out of it. I had to file a complaint with the Consumer Financial Protection Bureau against USAA for refusing to close my bank accounts, Reference number XXXX. Finally on XX/XX/XXXX, I sent a certified letter to USAA by XXXX ( tracking # XXXX ) requesting that all my accounts be closed. On XX/XX/XXXX, I followed up by calling USAA about closing my USAA membership # XXXX and bank accounts. USAA finally agreed to close my accounts. After my accounts were closed, they sent me XXXX bank checks ( XXXX check for over {$2000.00} and another check about {$1000.00} ) which I deposited into my XXXX XXXX checking account o/a XX/XX/XXXX. I XXXX have about {$4000.00} missing from my checking account with XXXX XXXX. 

A few months later, I noticed that the USAA checks were mysteriously missing from my checking account with XXXX XXXX. I quickly reported the matter to the XXXX XXXX XXXX in XXXX GA which they investigated. Prior to being missing, the checks were processed, cleared, and the money deposited into my checking account. In about 10 days, XXXX XXXX was able to locate the checks within its system and sent a copy of the checks to my email. Again after a few months, the USAA checks mysteriously disappeared again from both my checking and email account. They have not reappeared since then and the bank personnel are uninterested in helping me find those XXXX checks from USAA. Their responses are : we dont know where the checks are or We cant find them. 

In the meantime, USAA is sending me bank detailed information as if I have an unauthorized bank account with them. Im afraid to call USAA but Im concerned that my bank account with USAA has been illegally reopened by a fraudster with the missing money in it. This is a violation of trust and banking regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
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 have attached an FTC report with a collection and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding violated my consumer rights by 1. never attempting to contact me concerning this debt. The are legally responsible for providing notice prior to placing the item on my credit report.

2. They have added additional funds to the original owed debt in the amount of close to {$1000.00}. The amount listed on my credit report is not the amount that was owed to the company in which I had the agreement with. 
Finally, according to XXXX  consumer access, LVNV Funding is not legally authorized to collect debts in the state of Ohio. Therefore, the company 's attempt to collect funds is ILLEGAL! 
LVNV funding is known for its predatory tactics. I am demanding that this item be removed from my credit report with ALL bureaus immediately and to no longer be contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: World Acceptance 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: Problem getting your free annual credit report

Complaint:
World Finance believes in treating all customers with respect and transparency from their commitment to comply with applocable federal, local, or laws. There's no World Finance Branch in any vicinity nearest the XXXX XXXX region for me to request those records from being lost in history. A loan was repaid on my car without being added to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : 1. XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX I have rights and here are the FCRA regulations : 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 am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was hacked and {$500.00} was transferred via XXXX, fortunately to a friend of mine and for the last month we have been attempting to refund the money to me. Both me and the receiving party agree it was not authorized and should be returned but Wells Fargo keeps saying " we are investigating ''. What is to investigate when BOTH the sending and receiving party are disputing it. Wells Fargo keeps giving me the run around and will not allow the return of my money and has closed online access to my friends account and forced me to open a completely new account. This has gone on since I reported it on XX/XX/2023 2023

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