BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being harassed by a debt collector that has not sent anything verifying that I currently owe a debt. I owe no one money as I have made sure that all of my debts are paid off. If this company inserts a debt on my credit report then it is in violation of the FDCPA & will be sued in small claims court. I have no problems going through the process because I have nothing but time & will not be bullied by debt collectors whom I owe no money to. Im sending this letter because I know without a shadow of a doubt that this information can not be produced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Simons Agency was provided with the dates that I had coverage for my son which started XX/XX/2017. They were informed numerous times to resubmit claims to NJ XXXX as the services should have been covered. The hospital did not bill to the correct insurance company. Also, the debt belongs to my son and not me. I have sent all the information to Simons Agency hoping they will quickly remove the incorrect information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Biehl & Biehl, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. Received letter XX/XX/2022 from collection agency stating debt owed. 
XXXX responded by fax of XX/XX/2022 not responsible for debt XXXX. Received e mail on XX/XX/2022 from collection agency of response recived. No acknowledge of faxed received. 
XXXX. On XX/XX/2022 responded to collection agency by e mail. Included all information that was faxed on XX/XX/2022. 
XXXX. Received a letter on XX/XX/2022 dated XX/XX/2022 from the collection agency, That we had not responded. 
XXXX. This is obviously harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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 accordance with the Fair credit report act XXXXXXXX XXXX  account number XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an account with Capital one been with then for a couple years now, XXXX XXXX.I had fraudulent happen on my account someone paid my credit card out in order for them to withdraw the money out but when I check my account I told Capital one this is fraudulent transaction on my account so the bank of XXXX XXXXXXXX XXXX where the fraudulent happen was sent back to the bank I'm in an another state and I don't understand why Capital one telling me they need more proof that this not bank and doing to help me, well the XXXX XXXX XXXX tried to return the payment again XXXX XXXX again so Capital one let them but close the account on me and also put the fee on my account which made my card a higher balance for the return fraudulent payment on both of my cards so now I'm having to pay a higher payment on my card and want adjust it and charging me for it telling me to do my own investigation it's nothing they can do for ne to call the bank myself and tell them to verify I'm in a whole nother state when Idaho have no clue why my own credit card company I deal with want help me but expect for me to pay for it please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Credit company called my spouse without my permission and demanded he payed the debt because he was my husband and a man should do that. They were threatening to sue him ( not his debt ) again without my permision and would not let him hang up the phone fear mongering him. They called him numerous times. Did not contact me once!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX contacted the seller of the home I was buying and started dealing with him instead of me. He gave the seller a copy of the appraisal that I bought, he also told him that even if he signed extension agreement for repairs, he did not have to make those repairs if FHA did n't require it ( which the appraisal company he hired did not list one repair on the appraisal ). When I contacted XXXX about communicating with the seller, he got very upset and also lied. My agent and I signed another extension agreement to extend the closing date on XXXX. XXXX called the seller and told him that he could close it on XX/XX/XXXX and the automatic 7-day extension was n't necessary. That caused a lot of unnecessary back and forth between me and the seller when it came to agreeing on a date. And we did n't close on XX/XX/XXXX, we ended up closing on XX/XX/XXXX anyway. XXXX told me and my agent I was pre-approved, but towards the end of the process underwriting needed a copy of my tax return transcript. How was I pre-approved without that? My down payment ended up being more than the required 3.5 %, because he got my loan approved at 95.9 % and never told me. I found out in my closing disclosure. XXXX was supposed to be representing me but instead he decided to communicate with the seller and keep him updated on the process while I had to find out later from my agent or the loan processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MD
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:
Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of XXXX FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Equifax is willfully furnishing this incorrect information. Equifax stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Equifax also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Equifax did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Equifax verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE XXXX YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I received an email from venmo stating my account had been frozen for being in violator the user agreement. I was asked in the same email to upload my ID to reactivate my account. I did as asked. 

On XX/XX/2022 I received an email from venmo saying they received my Id. They then asked for bank statements and pictures of my debit cards I had linked to their system. I replied to the email asking for further explanation of what exactly I needed as I did have some confusion and concerns. 

On XX/XX/2022 I received an email reply from a venmo account representative named XXXX. He stated that my account had now been permanently deactivated and my remaining funds of {$530.00} would be held for 180 days and there may be a chance I wouldnt be able to collect them even after that. 

No explanation other than them saying I broke the user agreement was given. Even after sending an email back asking for further details I was told they couldnt offer me any details due to the nature of security issues. 

I do have consumers rights and I feel like they have violated them. They are illegally holding my money in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 COMMUNICATED WITH THE 3 CREDIT BUREAU REQUESTING THEY TO VALIDATE AN ACCOUNT THAT APPEARS IN MY CREDIT REPORT, I HAVE EXPLAINED THAT THIS ACCOUNT IS FRAUDULENT, I HAVE REQUESTED DOCUMENTS THAT VALIDATE THIS DEBT AND THEY HAVE JUST SAID THAT THE ACCOUNT IS NOT MINE, DONE THE RIGHT INVESTIGATION. THIS ACCOUNT IS FRAUDULENT AND THEY HAVE NOT COMPLIED WITH FAIR CREDIT LAWS, THEY HAVE SENT ACCOUNT STATEMENTS AS VALIDATION, AND THIS IS NOT A DOCUMENT THAT VALIDATES AN ACCOUNT. TRANSUNION AND 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE IN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2021-11-25
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX  ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government. 

15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America Account was hacked. The hacker opened a new account, transferred the money from my savings account, then withdrew a total amount of {$6100.00}. I have contacted Bank of America several times to no avail, first on XX/XX/XXXX when I found out about it and next on XX/XX/XXXX to refile my claim after the first was denied.

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 2022-01-04
Company: Experian Information Solutions Inc.
State: PA
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 put an inquiry on my Experian consumer report when I did ask them to check my credit.

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 2022-09-28
Company: NCB Management Services 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:
Good afternoon Team NCB, 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 agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Equifax, XXXXXXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - XXXX XXXX XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX  Account # XXXX - XXXX XXXX Account XXXX XXXX - Equifax DP OF EDUC Account # XXXX - Equifax DP OF EDUC Account # XXXX - Equifax XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax 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 Section2 : 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 2021-11-25
Company: Experian Information Solutions 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 was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my Georgia license for a Indiana ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to Experian my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not 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 non-monetary relief