BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with Gamache and Myers. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XX/XX/XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XX/XX/XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a potential violation of consumer protection laws by Discover Credit Card Bank on XXXX XXXXXXXX  for {$82.00} and XXXX XXXX for {$710.00}. Specifically, I believe that Discover Credit Card Bank has engaged in practices that violate the Fair Credit Billing Act, as well as other relevant consumer protection laws. 

In particular, I have experienced difficulties in disputing charges on my Discover credit card account. Despite following the proper dispute procedures and providing evidence to support my claims, I have been repeatedly denied refunds for unauthorized or incorrect charges. 

Furthermore, I have noticed that Discover Credit Card Bank has failed to provide me with clear and accurate information about my account, including interest rates, fees, and other charges. This has made it difficult for me to manage my finances effectively and to understand the true cost of my credit card use. 

I am concerned that these practices by Discover Credit Card Bank are not only unfair and deceptive but also illegal. I am therefore requesting that the Consumer Financial Protection Bureau investigate these practices and take appropriate action to protect consumers from further harm. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call daily over 5 times a day and sometimes within 10 mins of each other. They call from blocked number so there is no number. Then they use spoof numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Students loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit bureaus.

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 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sent letters to Capital One on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 complaining of their new policy as follows : I pay the total transactions each month in full. If that is all I do, the following months transactions will incur an interest charge unless I pay the full amount of the transactions plus the minimum payment required. Including the payment of the minimum amount to avoid interest charges on purchases the following month makes no sense which makes it an unlawful charge. I have had no response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: CO
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:
Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2022 2022

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 2022-11-02
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I receive three emails from Key Bank referring to a checking account that I had opened that day prompting me to sign up for online banking services. One email referenced a specific account number with my name attached to it. The account creation date was reported as XX/XX/2022, one day after the account had actually been created. I have never banked with Key Bank. 
I called the bank and verified my personal information. A quick search of their records verified that an account had been opened in my name with my social security number. The bank froze the account immediately. I am still awaiting a call from the bank 's fraud department to follow up on the fraudulent activity. 
I have since frozen all of my credit reports. The next day, I received two suspicious text messages referencing an activation code for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attached documents, I have requested repeatedly proof this is my debt, I believe it is not mine. I have researched and found that in this type of case when the debt is sold to a third party the debt is the sole responsibility of the primary. Knight Adjustment would not send me proof and actually sent threats of court instead. The first not being viable the second time there is a court date set for XX/XX/2018 in which I need to bring proof of all my assets. This company has violated my rights by multiple calls per day, calling my mom, giving my neighbor a court document instead of me both of these violating my right to privacy, refused to give me proof that it is my debt in which by law they are supposed to produce it within 30 days of me sending a written request. I am sending all these documents to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: TX
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:
I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays on my 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 2022-11-02
Company: LEXISNEXIS
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a letter from Citibank today seeking to verify " suspicious activity '' on my account. Unfortunately with all the data I've sent them they're unable to verify my identity! 

I gave them my phone number - the only one I've had since long before opening the account. They couldn't use that. They couldn't use my previous ( closed ) account number. Even though they have my SSN, they didn't even ask to verify that. 

I was being asked for other phone numbers, whether I was at work or not ( as if that's even relevant ), if I had any other active Citi accounts ( I don't and I'm seriously considering closing this one as well ). The phone number I called from is the one I used when I signed up for the account ; they can't figure out I'm calling from that number like every other credit card company? 

I was asked for a verification code from the letter ; the problem is there's no verification code on the letter. Their only way to verify me was to send me a paper form. Seriously? 

How can a company be so inept as to not be able to verify the identity of a customer holding not one but TWO physical cards? I wound up hanging up questioning whether I was even speaking to a Citibank customer service agent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I did a mobile deposit to my bank ( Bank of America ) on XX/XX/XXXX of {$520.00} And then made another deposit on XX/XX/XXXX for the same amount of {$520.00} on XX/XX/XXXX the bank deducted {$520.00} of my account because they stated that it was a duplicated check i called the bank. And they inform me that the system made an error and read the check wrong they will put a claim and put the money back the next day XX/XX/XXXX and the money was never put bank i have called the bank multiple times and they tell me a diferent story today i called XX/XX/XXXX and they told me that there nothing they can do but the bank has my money

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 2023-06-19
Company: EQUIFAX, INC.
State: CA
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 have been having issues with the 3 credit agencies removing inaccurate accounts from all 3 of my credit profiles. For example recently a collection just posted to my credit reports and I disputed it with them and XXXX has completed the investigation in 2 days and deleted it off my profile but still having trouble with the other agencies. Then I had another account from XXXX XXXX XXXX that I paid off and actually entered a lawsuit and won monetary compensation but the account is still showing up on one of my credit reports even though it was removed off others

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts : XXXX XXXX XXXX : Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Advanced Resolution Services Inc.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of  identification presented at the time of the visit. 
2. Verification the claim was submitted to my insurer within the allotted timely filing period. 
3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 
4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 
5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. 
AS PER ( FCRA 623 ). 

HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP  COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to take this opportunity to address ongoing incidents that have left me scarred and disappointed with Trustmark and its management ; to include the manner they handle minority populations both ethnic and gender. One incident in particular that made me personally uncomfortable on my last visit to Trustmark 's office location on XXXX. 

During this process, I have not only been made to feel physically threatened, but I have been made to feel like I am a liar and a crook. Ive been told that my due to me amending my taxes per XXXX XXXX statement, the underwriter will think I am engaging in fraudulent activity. I am not a crook nor do I conduct myself in such a manner that one may infer that I am. I did have to amend my taxes, but that is not fraudulent nor illegal. This is an exercise recognized by US tax code. My CPA was not up for the task of filing complicated returns and I am not a tax professional, so corrections needed to be made. However the real question is why did my taxes meet the standards for the IRS but not the standards for Trustmark!? Mind you, Trustmark is a financial institution not an organization responsible for determining tax code ( tax return ) standards. 

The only conclusion I can make is race, gender bias and unfair lending practices. 

I would like to reiterate I applied for this HELOC around XX/XX/XXXX and I was strung along for nearly a year ( Trustmark gave me deadlines to submit documentation, but took extended time to review information & supply decisions ) & made to supply several documents throughout XX/XX/XXXX through XX/XX/XXXX that were accepted by Trustmark. I was given multiple approvals/interest lock in agreements with closing dates, only to be told after the loan closing expiration date, that I needed to supply more documents to close.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXXXXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- # XXXX has violated my rights XXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXXXXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX  - acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX acct # 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.

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