BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bluebird/Serve by American Express Complaint : On XX/XX/2021 I tried to find out information about why I was unable to use my prepaid card to make necessary purchases related to Hurricane Ida. When I called customer care, I received a recording saying that my account was permanently suspended and to call back to service my account and then the call disconnected. I thought that maybe it was because of the time of day so I tried the next morning. I called the morning of XX/XX/2021 and received the same recording and an email saying that I needed to send a letter. I tried calling again but since my phone number is associated with a " suspended account '', I was unable to get through ; there aren't any options for someone to simply speak with a representative. I had to call from my daughter 's phone and select prompts as if my card was lost/stolen in order to reach a representative. Once connected, I was transferred to Account Services who, after I was finished explaining the problem, told me that I needed to mail a letter to receive more information. I asked about how I was supposed have access to my funds and/or how will I receive the money in the account if all I could do was mail a letter. She kept telling me that she did not have that information and that I had to respond via mail. I asked to speak with a manager and she told me that the manager was going to tell me the same thing. How can this representative speak on what the manager will say when she is NOT the manager?! She placed me on hold and when she returned to the call she said that she could not connect me and to call back in an hour. When I tried to express the inconvenience this has caused me, she hung up the phone. I tried getting connected again and I believe the number in which I was calling from was blocked. 
I have had this account for years and have always used it in the same manner. This is a crucial time right now where Hurricane Ida affected the ability to return home. I had to spend money to stay at a hotel, buy food and other necessities. I was also out of work because there was no power and issues with running water in the area of Louisiana that I reside. This was the account where I have my federal refunds deposited and this is where I had my FEMA assistance sent. I received emails saying that the money was deposited but now, as mentioned in this complaint, I will not have access to the funds. The total amount is {$1500.00} in FEMA assistance and my Advanced Child Tax Credit of XXXX XXXX/month was also sent to this account. 

Customer Care ( XXXX ) XXXX or ( XXXX ) XXXX Account Services ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: WV
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 have disputed these inaccuracies for a very long time however the credit bureaus refuse to remove them from my report. This is caused a severe hardship in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is to confirm that I am submitting this complaint on my own behalf. 

Midlands Funding is reporting information on my credit report that is inaccurate across agencies and is unverified. I have attempted to resolve this matter several times and this company continues to report this inaccurate information. I do not owe these debts and have no knowledge of such XXXX XXXX XXXX Facts : 1. I do not owe this debt 2. This alleged debt is reporting inaccurately across credit bureaus 3. I have disputed this account and it has been validated. 
4. This unvalidated account is reporting as OPEN ACCOUNT which is additionally not under FCRA compliance. 
5. This company does not have permission to communicate with me. 

This is intentional inaccurate reporting and I demand that it is removed immediately as per 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I was completely enrolled with University XXXX XXXX XXXX XXXX  for online classes studying cyber security. My enrollment coach was XXXX XXXX XXXX XXXX : XXXX ext. XXXX. When enrolling I made sure I asked her multiple times does the college accepts vouchers from my employer to pay for the college. The response was yes I never encountered problem with your company and our college I help multiple students from your employer and never had an issue. I made sure I asked because I know Im not financially strong to pay on my own or out of pocket. XXXX XXXX it clear that I shouldnt run into any problems when processing my grades so the school received the payment. 
I was advised to apply for financial aid but not for a student loan only grants and I was not approved. 
After completing the first class with excellent grades and processing the payments. My job notified me that the school was not accepting my payments because they did not list my job to accept vouchers only reimbursement which mean I have to pay first out of pocket then I get my money back. And I was told by XXXX I dont have to do that. The payments can be sent directly to the school and I spoke with multiple employees in the financial aid department and they all said they will fix it not to worry. Also I spoke with XXXX XXXX her name is XXXX XXXX, XXXX, XXXX XXXX : XXXX Ext. XXXX Enrollment XXXX Manager, Enrollment Services. I was speaking with her and she kept pushing to have my job pay for the few and my phone was damaged so their was a little delay with my response, but I told her that my employers are not able to pay because the school doesnt accept it and she never responded and two months later I received a call on XX/XX/2021 from CBE group a debt collection agency saying I owe money. I honestly cant remember the amount that I was told but it was XXXX XXXX and some change. 
I was giving incorrect information and the school wasnt trying to help they were just trying to get me enrolled in classes again. Every time I enter the class room the fee just kept going up and no one was nice enough to say lets fix this issue before you start classes again and your fees keep insurance. They all wanted me to join classes. And didnt care about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: PA
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, # 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a 360 Savings account with Capital One ( used to be ING Direct before 2012 ). Please do me a favor and XXXX the interest rate on this account. If you did it, you will likely conclude that the rate is roughly 4.15 %, which is what I have been thinking for months. But we would be wrong. 


The 4.15 % is for an account that Capital One calls " 360 Performance Savings '' vs my account that it calls " 360 Savings ''. The rate on my " high yield savings '' account is 0.30 %. Again it's 0.30 %!!!!!! It is a 385bps difference which is massive and would be {$10000.00} per annum for a {$250000.00} balance! I called Capital One and wrote to them to complain about this and ask for credit for the interest rate difference for previous years but they have refused to do so. I looked up online and there are many other customers with the same complaint, but they do not know how they can " fight back ''. 


From what I can see there is no substantive difference between these two accounts. They are straightforward high yield savings accounts. The sole purpose for two such identical accounts with confusing similar names but massively different interest rates is to sucker legacy account holders ( who trust the Capital One institution ) out of millions of dollars in interest. If they want to sunset 360 Savings accounts, they could easily have proactive communications and convert these accounts to 360 Performance Savings accounts. But they did not do so. This is deceptive at best and fraudulent at worst. 


CFPB may also want to look at the history of names on 360 savings accounts and 360 performance savings account, see how much balances are still held in 360 savings account, when Capital One started diverging the interest rates between these two accounts, and the bank 's rationale for using these deceptive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX Bank of America went into my account and took XXXX out of my corporate account XXXX XXXX XXXX XXXX XXXX. The last time we spoke was in XX/XX/XXXX. I explained to them that my income had decreased by 50 %. The president had broken all trading agreements with XXXX, New Mexico, and XXXX. As a result, the trucking was hit hard. I was struggling just to pay bills of necessity. Then, the pandemic shut everything down. I was off from XXXX through XXXX. During this time, I noticed the balance was XXXX. They had charged it off. I started back working in XXXX. I was way behind on my mortgage and in trying to maintain a truck that had been sitting for over 6 months. I began working diligently on trying to catch up on my mortgage, truck and trailer repairs. I began to save money for tires on the truck and trailer because everytime I would travel, I would have to pay road cost for flats which drastically affected cost. As I was able to stack a few dollars for this purpose, they went into my account and took XXXX. Can you please help me? I thought that the federal Gov. placed a moratorium on these types of practices during this pandemic.

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 2019-04-23
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting incorrectly to XXXX and XXXX  an unpaid/placed for collections for {$220.00} partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I moved from XXXX, Texas and cancelled this internet and phone service and sent the equipment back to XXXX XXXX XXXX via priority mail. ( Please see the related documentation attached. ) This documentation is proof that XXXX XXXX XXXX  did in fact receive these items. XXXX XXXX XXXX is now saying that I never returned these items and consequently they have sent this account to a third party collection agency. This incorrect reporting is harming my credit score.

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 2018-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted letters in XX/XX/2017, XX/XX/2017, XX/XX/2017 .... These companies still have fraudulent information on 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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent Transunion a disputeXX/XX/20, and they received it XX/XX/20, it has been 46 days I have yet to hear anything back from them.

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 2019-06-20
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In violation of the Fair Debt Collection Practices Act FDCPA and/or Fair Credit Reporting Act FCRA and/or my state law as applicable, this business or as it seemed a collection company named Diversified Adjustment DA placed a malicious collection ( of undisclosed incorrect and/or negative information ) Within XXXX against my exceptional credit history ( I never failed to pay on time any business and my credit report show Zero missed payment a fact PROVEN BY XXXX ITSELF and As assessed by A different source as you can see in the attachments ) and without sending a single written notification disclosing complete information of the malicious information it used to causing me imminent and irreparable damages and losses. The unprecedented shocking is that DA is terrorizing and/or threatening me by phone repeatedly after It placED THE malicious information damaging my credit reputation and more other in violation of FDCPA and/or FCRA and/or privacy act and/or freedom of information Act and/or other applicable laws and/or acts. This company named Diversified Adjustment must contend of all the above is true and thus it must delete that now illegal, incorrect and/or threatening and/or wrong collection of incorrect retaliatory allegation that this company intentionally used to cause me harm recklessly without informing me in writing, without allowing me to dispute and any situation now Diversified Adjustment to assume full severe legal consequences for its illegal acts that it made against me in violation of all the above referenced laws and/or Acts. I also attached a document an important document that DA must contend to its facts that I supported with clear evidences are true and thus DA violated the law if DA did not prove with clear evidences that my every single fact of my facts are all untrue. To prove me wrong you must provide undeniable clear convincing evidence supporting to prove the opposite of every and each of my proven facts. ALL STATED herein is to my current states belief knurled and understanding and it is all subject to anything or any correction by my person only at anytime without prior notice and without waiving my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

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 2021-01-12
Company: EQUIFAX, 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation