BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 received a copy of my credit reports and see that Capital One is reporting that {$470.00} and {$420.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Capital One. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDENCE RESOURCE MANA violated my right on XX/XX/2022 I recently got a message on my XXXX credit report that I had a collection account CREDENCE RESOURCE MANA. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and is not allowed to collect Debt in New York XXXX. 

CREDENCE RESOURCE MANA Account number XXXX Balance on XX/XX/2022 Original balance {$3400.00} {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 USC 1681. 
XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.

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 monetary relief
Consumer complaint received 2017-09-30
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:
TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. 
When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. 

It is hard to believe a TD Bank store has no Hundred dollar bills available. 
It is hard to believe a TD Bank store has no Branch Manager available to assist customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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: Information belongs to someone else

Complaint:
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, XXXX & EQUIFAX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : WESTERN XXXX {$3900.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beneficial/HFC never released from the title of my home the lien that was discharged in Bankruptcy on XX/XX/11 for years we have been trying to refinance our home and still can not do anything as we have no way of contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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: Information belongs to someone else

Complaint:
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, TRANSUNION & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : 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 explanation
Consumer complaint received 2019-04-10
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XX/XX/XXXX which was never renewed before the 10 year expiration date and from XX/XX/XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, 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 2023-03-01
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Experian Credit Report today using their XXXX XXXX XXXX. It took Experian a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, 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 2017-09-30
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX/XXXX/XXXX company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have called XXXX XXXX on multiple occasions about a ridiculous 23.9 % interest rate. I have had a steady income increase and credit increase but every time I ask about an interest rate reduction I 'm told they 're not doing them at this time ( this has been over a two year period. ) They allowed me to get this card when I had barely any credit or income and locked me into a fee that refuses to change even after years. When I call and ask questions, I 've been lied to by representatives telling me I have to have an 800 credit score to get a reduction and another representative hung up on me. This bank needs to be investigated and needs to make some changes. Beyond preying on people through Walmart, they have untrained representatives. Please do not ever get involved with this bank even if you 're down and out. They 're no better than a payday loan. I am saving money to pay them off and closing the account no matter how much it hurts my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NOTICE : Truist Bank, following its merger/acquisition of SunTrust Bank XXXX has suddenly and without notice to depositors and the general public shut down substantially all of the SunTrust Bank branches in XXXX, MD. Moreover, it has not provided signage on the buildings stating that they are closed. It has not taken action to post the closing on appropriate Internet sites, again misleading depositors and the general public. Truist Bank has undermined faith in the XXXX banking system with its unannounced actions. The bank should be fined at least {$100.00} XXXX for its irresponsible actions.

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 2021-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I was on my way to Wisconsin for work and HSBC USA decided to freeze both my XXXX  Checking and XXXX  Savings accounts to verify a wire transfer that I subsequently canceled. Note this was the 3rd time in 3 weeks they did this to me. I informed them that I no longer needed the wire transfer and took care of my obligations via alternate means. However they insisted that I go to a branch to verify my ID even though I informed them that 1 ) I was almost out of gas and without access to my funds there was no way I could make it to any branch as 2 ) the nearest branch to XXXX, PA was 3 hours away. On XX/XX/2021 I contacted the bank again via phone and again requested my funds be released and they questioned where I got my funds from. I informed them that it was from the sale of my house in Florida and they demanded proof. XXXX wire transferred the funds to XXXX Bank back on XX/XX/XXXX and the remaining amount later in XXXX. No funds were ever wired to HSBC. I informed them that XXXX already verified my information and issued me a certified check when I closed my account with XXXX. The only verification they should need is to confirm with XXXX the validity of the certified check, which, if it wasn't valid, XXXX would not have cleared. They still insisted and I send them documentation of the sale of my home. So I forwarded the information to them and in the email I voiced my concern that I was being singled out and they should stop the racism in banking. Right after that email they subsequently 0pened my account. However within 24 hours they froze my account again. This time claiming that my account was pending an audit by the fraud department that they said could last indefinitely. 

Every time I call I'm informed that they do not have any information. Can't disclose the nature of the audit and the timeframe for the conclusion of the audit. I continuously feel like I'm being singled out because I voiced my concern about them operating like minorities can't sell a house and earn that much cash. I also informed them that thanks to their decision to illegally hold my funds, I was stranded XXXX  in XXXX, PA for 4 weeks and had to beg for assistance and food. I didn't make it to Wisconsin for my work and I have since lost my job, lost my health insurance, can't pay my bills, potentially will lose my car, don't have car insurance. I'm facing XXXX XXXX XXXX XXXX, as I can no longer afford my medication. Yet all I receive is callous, insincere, and in some instances misleading/outright lies as responses. 

As of today, they are still holding my funds without any legitimate reason. Even when I finally made it to a branch and was verified, they still refuse to give me my hard earned funds and are acting like the funds belong to them. I am planning legal action and I'm reporting this to the CFPB so that any regulatory actions necessary can be taken as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}

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 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX BANK XXXX {$1600.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph XXXX XXXX XXXX and before the end of the period referred to in paragraph ( 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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation