BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: DISCOVER BANK
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:
XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Affirm Holdings, Inc
State: TX
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:
I had an old account with affirm that Ive not used in a very long time. Someone stole my identity, and purchased a personal loan under that account. My social security was under identity theft protection during that time due the the same reason, someone was trying to open accounts with several banks and other personal loan businesses. Despite, they ignored this, and rejected my investigation. Logically, no person would open a personal loan account for {$50.00} only. That is very ridiculous. And I filed a report with XXXX, and they are taking their side because affirm has my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XX/XX/XXXX, after returning from XXXX, I discovered that my car insurance policy with XXXX XXXX XXXX had been canceled on XX/XX/XXXX due to lack of payment received in XXXX even though I had an automated payment agreement with the insurance company from the Capitol one Quicksilver credit card account. The insurance company claim they sent out a digital authorization for a payment of {$230.00} to Capitol one on XX/XX/XXXX and have the transaction ID to back up their claim. When I reached out to Capitol one, they claim they never received any communication in XXXX but could not provide any digital evidence to back their claim or refute the Insurance companys claim. However, considering several automated prior monthly payments have been very successful and the fact that my account expires in XXXX and the bank has also confirmed that my account was and is still active and there were enough funds to make the payments in XXXX, I am inclined to believe the insurance company. On XX/XX/XXXX between XXXX, I had a 3-way phone conversation with the insurance and bank representatives. The representative from the insurance provided a transaction id but the bank representative did not provide any evidence to refute the claim and said they could not verify the digital transaction. The insurance company refused to reinstate my policy. I ended up having a lapse in my coverage which resulted in civil penalty of {$100.00} and increased insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing TD Auto Finance LLC stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRUIST FINANCIAL CORPORATION
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:
After reviewing a copy of my current consumer credit report, I noticed inaccurate information. I requested that they remove the information through the ( Big 3 ) Consumer Reporting Agencies ( XXXX, XXXX XXXX, and XXXX ) as well as sent requests to Service Finance Company LLC directly to remove the inaccurate information from all of my consumer credit reports that they report to, but they have refused. I have NOT retained an attorney at this time because Im hoping that with the filing of this complaint, they will understand how serious this matter is because I have noticed that the following Violations below that have been committed against me which are : The FCRA Violations due to the errors, inaccuracies, and incomplete information on my consumer reporting file are listed below. 
1. The inaccurate status is listed on the consumer reporting file.

2. The inaccurate balance is listed on the consumer reporting file.

3. The inaccurate amount stated for the Charge-Off is listed on the consumer reporting file. 
4. Missing information on the 1099C ( The Companys Phone # ) Per IRS Instructions for Forms 1099-A and 1099-C page 3 under Specific Instructions for Form 1099-C.

5. Missing and incomplete information on the consumer reporting file.

6. A complete misrepresentation of facts

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 2023-03-10
Company: Loqbox US Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
WWW. LOQBOX.COM {$2400.00} PERSONAL LOAN FRAUDULENT FILE, CREDIT SCORE DECREASE AND LATE PAYMENT OPTIONS. CUTOMER SERVICE DID NOT ANSWER THE PHONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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: Account status incorrect

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING 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 2022-08-28
Company: ORG GC GP Buyer, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from XXXX XXXX XXXX about an outstanding debt from XXXX. I do not order anything from XXXX. This debt collection is fraudulent. A simple XXXX search shows many law suits against this company for fraudulent debt collection under the same or similar names but different headquarter addresses. I can not reach them. Ive left hundreds of messages but nobody returns my calls. They are unreachable by any other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company XXXX was advised the item was discharged in a Bankruptcy but refuses to remove item from collection. Original creditor was First Virginia and then sold to XXXX XXXX, after they were both informed of bankruptcy discharge with case information, they continues to sell debt for collection and harass me with countless calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CADENCE BANK
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother pass away and left pods at Candence bank for her heirs, they said no money can be released until all pods sign, and there are two who refuse to sign, they will not release my inheritance until all sign, i ask them what happens if one does not sign they said no money will be released, i ask them is there then a time limit for them to sign they said no and no one can collect until all sign, so if one person doe snot sign i will never get mine inheritance, that is messed up, why should what my mother left me be held up because of someone else, I seriously GOT A BIG PROBLEM WITH THIS, this violates my rights as a heir

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
These are the events that I can remember. There are additional phone calls to the local branch that are not listed because nothing happened. 

XX/XX/2023 We opened up four savings accounts and one checking account using checks payable to each child at Chase Bank. 

XX/XX/2023 Checks were cleared from XXXX XXXX XXXX  ( Account that wrote the checks ) Around XX/XX/XXXX we received a letter in the mail for one of the savings accounts stating that the account was going to be closed. I called the number on the letter and the guy said the monies appeared to be fraud. After explaining the children work for our family business and the check was written from the business account, he said he was able to verify it and I just needed to go in to the local bank office and reopen new accounts so the funds could be transferred out of their " holding tank '' and put into the new savings accounts. I immediately went to the XXXX XXXX, FL branch and XXXX, the banker, called and verified everything and opened new accounts so the funds could be put back in. They were supposed to have the funds in the account in a few days. 

In early XXXX, I received a bank statement in the mailbox for XXXX of the accounts and noticed the account balance was still XXXX. I call the XXXX number and talked with XXXX, a supervisor. She said she couldn't verify me as an owner on the bank account that cut the checks, which is why they did not release the funds back into the accounts. She told me to take a copy of our business ' Articles of Form, Articles of Organization, Articles of Corporation or EIN into the local bank. The next day, I called the local bank and talked with XXXX, a banker, who was going to work on resolution. She said she uploaded our Articles of Organization. 

On XX/XX/XXXX, I called the local bank to verify funds and nothing happened. The Branch Manager told me the need to verify me ( again ) and asked me to submit a copy of our EIN. I emailed it to her the next morning. 

On XX/XX/XXXX, I called the local bank again to see if the funds were put in the account. The branch manager said she saw in the notes that it had just been approved and the funds should appear in a few days, as early as Saturday morning. 

On XX/XX/XXXX, ( today ), I called the local bank to verify whether or not the funds were put in the accounts. XXXX, a banker, told me she checked the accounts and they were closed because there were no funds deposited into the account. She said she could reopen them if I came into the office with my ID and put money into the account. I refuse to do this ; they already have more money than they should from us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls but no answer when pick up phone..most recent call XX/XX/2019 at 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 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
At least XXXX incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.

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 2023-07-05
Company: Halsted Financial Services, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX contract says I can be released from contract if I move and they can not provide XXXX  at new address. I had a XXXX  rep out to my XXXX home to establish XXXX  aftermoving from XXXX  in XX/XX/XXXX. He was unable to get a signal XX/XX/XXXX. XXXX did not release my contract but continued to bill me until I stopped payment in XX/XX/XXXX. They sent me to collections. I filed with the XXXX  and thought everything was resolved when I got a notice from XXXX  stating my account was closed in XX/XX/XXXX. They never refunded my XXXX from the 3 months prior which I didn't pursue. However, now they've sold this debt again to a new collections Co and I am going through it again. Can't call XXXX  my number gets disconnected with a message saying it's in collections call the collections Co who wants documentation from XXXX who is impossible to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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 HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS XXXX, ACCOUNT NAME XXXX XXXX XXXX # XXXX XXXX. ACCOUNT NAME XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 


XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 2022-08-28
Company: Navient Solutions, LLC.
State: CA
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:
XX/XX/XXXX Original balance {$17000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Payment summary The balance should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is open and the balance is {$8900.00} as reported. Lets fix this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update this complaints.

Company response to consumer: Closed with explanation