BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning my name is XXXX XXXX and im here begging for some help on XXXX XXXX i had someone hack into my account and was able to reverse some transactions and also made some fraudulent checks and cashed out on XXXX leaving me on negative i called my bank ( chase ) right away as soon as i seen some notifications saying i was on negative on both checking and savings so i called right away and they put a temporary credit back but 3 days ago they came back negative again i called spoke to a supervisor and there telling me there was a pin used and that they couldny help me after i told them i been with them for over 5 years never have i had anything like this happen to me and I asked to review there cameras and they told me the case is close and theres nothing they can do about it and i asked them if thats how they protect our money and he told me he couldnt do nothing and so ive wanted to reach out and get help because i feel like this is so unfair that i have to go thru this and not getting no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Crow Creek Sioux Tribe
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan for some emergency assistance due to assisting my partner with legal issues. The loan was for XXXX $ for an 12 month term. I was under the impression it was being repaid in an affordable once a month payment of XXXX $ and each week XXXX $ is being taken from my account. Making it to where I cant afford rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an emergency at work and went to hospital which all bills were paid by XXXX XXXX XXXX XXXX. This bill I didnt receive at all because it was sent to an old address that I did not reside. It was two separate doctors bills that is separate from the hospital which I had no clue. I was able to work with one and had it paid but this one is not sending it to XXXX XXXX which they should have in the first place. They sent it to collections and I didnt know if the bill but when I called the company they got nasty and the credit service is unable to clear it up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've called the number provided but nobody respond. I'm requesting a copy of the voicemail on XX/XX/XXXX with Capital One. The phone records indicates the phone calls last for 20+ minutes with Capital One. In this call, Capital One agent explained the nature of the XXXX Transactions. I've requested the copy over the phone multiple times but I never receive the transcript of this call. 

Also I've attached a copy of the voice call in a later date. In this call, the agent explained very clear XXXX is not revokable. Please review it carefully. 

Since the Demand for Arbitration has been sent two weeks ago, please circle inside to find the related docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have applied for a home equity loan with XXXXXXXX XXXX They indicate they were unable to access a credit score from Equifax because they found my account to be frozen. The website states it is not frozen, however the creditor can not obtain a score. I too can not access my own score in the online account. I receive an error message. The error message requires me to call them which I have done numerous times. Equifax required me to fax them proof of identity which I have done 2 weeks ago. They have neither acknowledged receipt nor updated my online account. For 3 years I have been stuck in an infinite loop with Equifax and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NC
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:
Have been paying monthly payments in the amount of {$33.00} toward loan balance of {$2300.00} per agreement to XXXX XXXX University since XX/XX/XXXX. Requested Equifax investigate incorrect reporting. The amount showing on my credit report is {$4400.00} and this is incorrect. Also Equifax is not reporting that account is being paid on. Please see documents verifying loan balance and verification of payments made since XXXX on the XXXX of {$33.00} per credit card statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following XXXX XXXX XXXX XXXX account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is from 2016, 7 years ago. 

It is now resolved and closed.

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 2022-11-01
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Funds from my account have been repeatedly stolen. First it was XXXX fees or frees from different stores I was not shopping at. I contact cashapp and it took weeks to receive a {$10.00} creditsomething small. I put {$50.00} on my card and almost SUDDENLY there is an ATM transaction & I can not see the remaining balance. I did not take out the atm transaction and i have my physical card. VERY confused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MI
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:
Ive asked 5 times in writing to remove old personal addresses and another address Ive never lived there at all. 

I want one address listed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Ive never lived at these two places XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-10-31
Company: Global Lending Services LLC
State: IA
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:
On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account is identify theft and would like this account removed from my credit professional placements amount XXXX account was open XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested that the inaccurate, unauthorized information be validated by providing to me the following ; 1.Copy of the original contract bearing my original signature that i signed for this debt.

2. Payment history from the original creditor clearly showing my payment with them 3.Name and address of the original creditor 4.Proof of ownership that they have been asign this debt. 

It has been since XXXX XXXX and the correct and accurate requested information has not been provided yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 inquiries on my credit report that do not belong to me

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 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one Bank have restricted my checking accounts for almost 6 months. I previously made a complaint to CFPB regarding this situation and Capital one bank responded back claiming that they were closing my account. However to date they have not kept to there word and continue to hold on to my available funds of almost XXXX dollars, I would please like this account closed and my funds sent to me as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Four Directions Lending LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I did not receive the loan. Instead I am reporting this company as an Employer receiving fraudulent garnishment orders. My company continues to receive fraudulent garnishment orders from this company despite repeating requests that they do not as they do not have legal authority to compel a wage garnishment without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife is the executor of her father 's estate. He passed on XX/XX/2017. He had an account at Suntrust Bank. His name was XXXX XXXX XXXX ( deceased ). There are XXXX siblings who are supposed to receive XXXX each according to his will and beneficiary list provided to Suntrust Bank. My wife personally dropped off a certificate of death, which was required at the branch on XXXX XXXX, XXXX, XXXX. An employee named XXXX, took the original and scanned the doc into their system so the disbursements could begin. Each of the beneficiaries had to submit a letter, explaining who they are with proof of ID, namely a drivers license. This has been done. My wife has also provided their disbursement department in XXXX with the appropriate letter, and XXXX ID ( drivers license. ) This took place almost two weeks ago. On Friday, XX/XX/2017 we received a letter from their disbursement department in XXXX without signature, stating that the Certificate of Death that my wife personally dropped off at their branch was not put into their system. I immediately went to the Post Office and overnighted the original docs, actual death certificate and ID to again, initialize the process. The local branch could not provide an answer to why the original information was returned, when the branch had the copy of the death certificate scanned into their system. I told the branch manager, XXXX XXXX, at the brance on XXXX in XXXX, that I was going to make a formal complaint as I believe the bank is giving us the runaround. She said she understood, and after 6 hours contacting her again this morning, nothing is resolved.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
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/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX ; INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-15
Company: LAND HOME FINANCIAL SERVICES
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In accordance with the Trial Period Payment Agreement signed XX/XX/2021, Land Home Financial Services is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet Land Home resumed such action without sending proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete XXXX XXXX from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : 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
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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:
XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.

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 2022-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$17000.00} into my checking account.The bank cleared the funds. It turned out to be a fraudulent check and they took the funds back. It was a scam that costed me {$3000.00} since I cant reclaim those funds. I would have never drawn out money if the bank did not clear the check. I cant understand why they would not hold the check longer due to the amount. I spoke to a supervisor at the bank and they said its their policy and that I should contact the person who issued the check. I cant contact the issuer because I can not track them down. The bank should be responsible negligence in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 Amount {$230.00} I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation