BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Experian Information Solutions 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:
The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified 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 non-monetary relief
Consumer complaint received 2019-11-20
Company: LEXISNEXIS
State: UT
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 am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted LexisNexis asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday after 4 months XXXX issued a refund. And now it is gone cause my account to appear negative it should be over by almost {$40.00} last night I made deposits. This frequently happens with this bank to collect over draft fees of {$36.00}.

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 explanation
Consumer complaint received 2022-05-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tuesday XX/XX/22 Received a transfer into Venmo account. 

They subsequently froze my account and I couldnt do anything with it. They refused to tell me why it was frozen. 

I had to get through a chat and 2 people on the phone before they said that they emailed me. 

The email was well after the deposit. 

They are refusing to cooperate and will not even return the money to the sender. 

I have also contact legal services for consumer fraud if it needs to escalete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
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: Reporting company used your report improperly

Complaint:
In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have continuously disputed this collection with Optimum Outcomes, INC for XXXX and this Company does not respond. 
I have disputed with the credit bureaus as well. This inaccurate information was removed from my credit report months ago and all of sudden it magically appeared on my report and I was n't sent a dunning letter or anything giving me a chance to request debt validation. However, I chose to send a debt validation letter to this company in XXXX XXXX and they never responded. I have no idea who this company is and have never heard of them. Unless they cam provide a legal document with my signature stating I agreed to pay this alleged debt, I want this removed from my XXXX credit report immediately! Please send me a letter confirming this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I went to inquire about a car purchase but never purchased the car from XXXX XXXX, I guess they use Capital one to finance, but I never gave written consent to the dealership to inquire with the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: UT
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 follow, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}, which you claim I had been 30 days late, 60 days late and 90 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late, 60 days late and 90 days late with 150+ days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate.

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 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and eight months ago I took a XXXX dollar check into the truist bank on XXXX XXXX XXXX XXXX. They allowed me to use the check to open a checking account. I ordered a debit card. All that. They told me I would be able to access my funds in 3 to 4 days. So, five days later I stepped back into the bank to pull out a XXXX XXXX dollars. I was Informed that without explanation, they decided not to open me an account. Thats fine. This was about eight months ago. I have spent this entire time trying to get my money back. I am a poor person. This money was my everything and it has been kept from me for no reason for eight months. To a degree, this theft has to be somewhat on purpose. I have walked the two miles up to that bank at least ten times. I have called customer service and waited on hold for hours on end for at least 50-100 times. If I go to the bank. They say I need to call customer service. I call customer service and they say its up to the branch to release those funds. They immediately closed my account upon opening it. Yet I get a monthly statement every month showing my XXXX dollars still in my closed account. I have begged these people for my money back. Begged. Its been 8 months. They are still holding it and giving me the run around. These people are thrives and deserve to be in handcuffs even if I get my money back. Just for keeping it from me for this long. My name is XXXX XXXX. My account number is XXXX. Birthday is XXXX. Please God help me. These monsters just hold my money while I starve. My only crime was being XXXX enough to trust them with it.

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 2019-07-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
According to FCRA 611 ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) I am requesting the method of verification you used to ''verify '' that the company seriously looked into the previous investigations. I would like to be provide physical proof of how you contacted the creditor '' XXXX XXXX '' account # XXXX. I want to be given the written correspondence email's/letters, phone call records you had with the employees who you said verified the data, and any other documentations used for this investigation. 

I am submitting a complaint because Chexsystems never sent me the investigation results. I only received a letter dated XX/XX/2019 that the investigation would take XXXX and then my own request of a report dated XX/XX/2019 to see what if anything had been done to my report. as of today i affirm they never sent me my results of the investigation. 

either remove the false and erroneous account or I shall and will seek legal remedies made to me via your negligence and willful disregard to abide by FCRA statutes. I shall files multiple complaints to and including FTC, Minnesota 's Attorney General 's Consumer Division, D.O.J and finally bring a civil suit if the issue has not been taken care of.

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 2021-11-22
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the DIVERSIFIED ADJUSTMENT to show proof of verification that I owe them {$300.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is threatening me with reporting it to the Dept of Education.Asking for entire balance " immediately '' Threatening me with paying more interest, Garnishing my wages and other legal action.I have a seasonal job and I am working sometimes only one or two days a week.I 'm struggling to pay my rent let alone feed myself.I need some kind of deferment or loan forgiveness or some relief plan. 
They have given me 30 days from the XXXX. of XXXX 2019 to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery Systems Has been reporting to the XXXX, that I owe a debt. 
I have disputed this account several times. Yet this company insists that this account belongs to me. 
This is inaccurate and has not been proven.

1.I NEVER received a letter of Debt.

2. I am unaware of this debt.

3. 
On XX/XX/2018, a certified letter was mailed to this company to verify this debt. 
I asked for reason for debt, signed contract, and calculations of amount owed. 
It has been 30 days, and I have not received a response. 
This letter was mailed to address reported on my credit file. 
This is wrongful reporting and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this was in old debt from XXXX, I agree to pay this debt in XXXX I payed on this debt for 4 to 5 years tell the judgement was removed off my credit report in XXXX. Now XXXX XXXX XXXX through Eaton Group Attorney trying to open a case that judgment was release. Also during the times I was paying them it was call XXXX XXXX   XXXX by XXXX XXXX XXXX with the Eaton Group Attorney. My credit report was clear of this debt and for them to try and come back for same debt with enough name is bad business for an attorney group. I know these things have a station of liminition on how long you can go after a clinic. Please instruct this no good law firm to stop harassing me with these letter of demand from something that's almost ten years old. If you guys give me a fax number I will send you some payment I send them over the years. I also payed them through garnishment when I work for the XXXX which I retired from on XXXX. See I m on a fix income and don't need to be harass for something that I agreed to pay when I was working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing Debt collections : XXXX was primary cell company ; switched cell company i.e. XXXX. XXXX kept the cell phones that were leased from XXXX. I was not informed and I do not have the devices. XXXX refused to release the cell phones to XXXX. I have spent many months trying to resolve with no such luck. 3rd party collection agency threatened to take unwarranted legal action. I feel threatened and without recourse. 

Debt ID : XXXX - Date of collection : XX/XX/2018 - amount {$1000.00}

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 explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted a dispute regarding experian has failed to do a proper re-ingestigation into accounts they have continued to mark as Verified which is false. It is now 45 days or more since Experian has received the Dispute through the CFPB. I have been been trying to get them to correct and update the inaccurate information for a year now ... Experian stated in 30 days the Dispute would be finished but as you can see they have done nothing but waste my precious time... Please, suppress the information. Experian and the company are not in compliance and continue to violate my rights... They have as Neglected my important consumer report... If you do not Suppress or Delete within 5 days I am filing a Attorney General complaint. I will also Hire a consumer lawyer to raise the Issue in Federal Court. 

I have attached the previous CFPB report for supporting documentation ... 5 days thanks.

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 2019-11-20
Company: Webcollex, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Kikoff Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 an account was opened in my name with Kikoff Lending LLC. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i've disputed erroneous information on my credit report with Transunion. 
They failed to do a proper investigation. 
Account : XXXX  # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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