BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 explanation
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
State: VA
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, Discover  has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: U.S. Auto Sales 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 did not apply for anything with US auto sales, I was never in the market for a car and Im still not in the market for a car, so why am I seeing inquiries from auto companies. Please remove and block this information.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted this complaint to update this suspicious information. XXXX and TRANSUNION Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.

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 2019-02-15
Company: EQUIFAX, INC.
State: MO
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:
I would like the incorrect remarks removed from my XXXX XXXX XXXX XXXX account to be removed immediately. Please remove remarks from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Kentucky Higher Education Assistance Authority
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2016 got reported as 60 days late. I am generally on top of making sure the amount stays in good standing, however, there was a situation where I was under the impression that the loan was placed into an income repayment plan. Now, is affecting my credit score and placing 2 late payments on my report. Customer service was slow and I never received Correspondance until after it was reported. I am asking the late payment  be removed due to confusion not lack of responsibility to pay or set up arrangements. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity BankXXXX XXXX closed my account XX/XX/XXXX for no reason I paid from XXXX to XXXX with no late payments. as to all 3 of my credit bureau reports. 
Closing my account caused impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY NAME IS XXXX XXXX I REPRESENT XXXX XXXX AS I HAVE POWER OF ATTORNEY IN MY MOTHERS CASE DUE TO HER XXXX SHE HAS XXXX AND XXXX  .THIS COMPLAINT CONTAINS NEW INFORMATION AND DOCUMENTS RELATED TO MY MOTHERS OWNERSHIP OF HER HOME, LAW ENFORCEMENT REAL ESTATE FRAUD QUITCLAIM DEED FRAUD CRIME REPORT AND AGGRAVATED IDENTITY THEFT .IN RESPONSE TO A CLAIM BY CHASE BANK INVESTIGATORS I DEMAND A RESPONSE WITH DOCUMENTED EVIDENCE AS TO HOW THEY DETERMINED THAT THE QUITCLAIM DEED IN QUESTION IS NOT A FORGED DOCUMENT NUMBER XXXX XXXX RECORDED ON XXXX XXXX? WHEN IN FACT DETECTIVE XXXX XXXX OF THE COMMERCIAL CRIMES DIVISION OF THE XXXX WAS NOT CONTACTED BY CHASE BANK INVESTIGATORS AS HE IS THE DETECTIVE ASSIGNED TO THIS CASE NUMBER XXXX! FURTHERMORE DETECTIVE XXXX XXXX SAID ALL 3 DETECTIVES ASSIGNED TO THIS CASE ASSERT THE FACT THAT THE QUITCLAIM DEED NOTED ABOVE IS A FORGERY BASED ON THE STATEMENTS RECIEVED BY 2 OF THE DETECTIVES GIVEN BY THE NOTARY XXXX XXXX WHO STATED IT IS A FORGED DOCUMENT BECAUSE HE WAS NOT A PARTY TO THIS DOCUMENT TRANSACTION AND HE NEVER MET MY MOTHER XXXX XXXX SHE DID NOT APPEAR BEFORE HIM, HE DID NOT HAVE HER CALIFORNIA IDENTIFICATION INFORMATION NOR WAS THIS TRANSACTION LISTED IN HIS LINE ITEM SEARCH OR HIS LEDGER, DETECTIVE XXXX XXXX SAID THAT CHASE BANK INVESTIGATORS ARE FREE TO CONTACT HIM IN REGARDS TO THIS MATTER AT XXXX.FURTHERMORE THERE IS THE ISSUE OF THE FACT THAT CHASE BANK HAS NOT PRODUCED THE MORTGAGE NOTE OR THE SERVICE AGREEMENT FROM THE ORIGINAL NOTE HOLDER GIVING THEM THE RIGHT TO COLLECT MONTHLY PAYMENTS .SO I DEMAND TO KNOW WHAT FINANCIAL CLAIMS CHASE BANK HAS TO MY MOTHERS HOME AS THEY ARE NOT THE LENDER THAT PAYED OUT THE 2 LOANS IT IS WASINGTON MUTUAL BANK !!! CHASE BANK CAN NOT COLLECT ON A PHANTOM DEBT .I SUGGEST CHASE BANK INVESTIGATORS ALSO LOOK INTO THE FACT THAT IN CALIFORNIA FILING FORGED OR FRAUDULENT DOCUMENTS IS A FELONY REFER TO PENAL CODE 115 FILING A FALSE DOCUMENT DUE DILIGENCE IS REQUIRED TO FIND OUT WHO FILED THIS FRAUDULENT QUITCLAIM DEED AND THE FRAUDULENT GRANT DEED DOCUMENT NUMBER XXXX XXXX DATED XXXX XXXX .CHASE BANK INVESTIGATORS HAVE NOT BEEN TRANSPARENT ABOUT THEIR INVESTIGATION NOR HAVE THEY PRODUCED ANY EVIDENCE OF HOW THEY MADE THIER DETERMINATION.ITS OBVIOUS CRIMES HAVE BEEN COMMITTED AND THE TITLE IS CLOUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX and Global Vlient Solutions scammed me into a credit repair service debt cancellation where I was told to not pay on my credit cards and they would negotiate a settlement. It worked for a few accounts but they never followed thru with a settlement offer from XXXX XXXX nor did the so called lawyer who was supposed to handle it prevent them from having a judgement and huge lien against me. My bank account has been over {$13000.00} in the hole because of this and my credit is ruined. Since they can no longer get money from me, because of the judgment against me that they caused, XXXX XXXX is unwilling to do anything to help rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sent the attached request to XXXX and Affirm and they have not responded or corrected the amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NJ
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:
CFPB Write up In accordance with the Fair Credit Reporting act 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 agency can not furnish an account without my written instructions

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 2023-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt is not mine and was previously removed from my credit report due to fraud. Portfolio Recovery Llc keeps calling me several times a day even though I have asked them to stop calling me. They even filed a fraudulent lawsuit knowing that the dent is not mine that was dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was credit check for capital one card which I did not apply for.. but the applicant lives in XXXX  which XXXX have never lived in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage from Amerisave Mortgage Corporation on XX/XX/2022 and paid {$500.00} fee for getting a mortgage loan. Since I didn't find a suitable house, I requested a refund of my fees, and they denied my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: GVA Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday loans from Greenline loans for {$300.00} on XXXX XXXX. I have paid {$500.00} as of XX/XX/XXXX XXXX on the loan and a balance of {$400.00}. I wasnt aware the interest rate was 748 % on the loans. I also was inform that by it being a XXXX loan company they can charge whatever fee they want. They will not just take the {$200.00} loan fee they want {$600.00} loan fee. I pay {$100.00} a month but I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX County XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

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 2018-07-26
Company: DISCOVER BANK
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Discover bank has consistently and fecklessly engaged in practices designed to deceive and defraud. They include the following. 

1. Unrequested credit line increases! I have never once asked for a credit line increase yet I have received at least 5 from Discover over the years. I have received only 2 other in my lifetime and they were both from a credit card I have held since I was XXXX. 

2. Unrequested credit rate decreases - although this appears altruistic on the behalf of Discover it is yet another cleverly designed way for Discover to defraud and deceive. 
These decreases are generally a fraction of a percent, yet they lock the balance in at that rate for life and future payments and applied disproportionately to new balances and your lower rate. The higher rate from your previous balance almost never goes down and stays at the higher rate. The only way to escape this NIGHTMARE is to pay off the entire balance which most people can not. 

3. On Discover Personal Loans - their payment options are clearly designed to delay payments, confuse the customer obfuscate the true payment date. 
When you make a payment almost every other company in the world schedules the payment for that day, not Discover - they automatically schedule the payment for your due date, you have to manually enter a calendar and select a different due date. This causes payments to be delayed and Discover is able to collect more interest. Also they have a very very unique feature if you make an overpayment. You have to choose whether you want your overpayment to be applied to principal ( which does not lower your next payment ) or your can select to pay more on your next months total due. So, in this scenario you can either pay over and not reduce your next months bill, or you can make an overpayment and Discover will " Hold '' onto this until the next month, nevermind that you are still being charged interest. 

I have an impeccable credit score and have not a late payment in over 20 years until Discover Personal Loans came along and their system was able to confuse me long enough to make my first late payment in over 2 decades.

Discover is perpetuating a fraud against the American public plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : 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 2022-02-11
Company: LEXISNEXIS
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:
LexisNexis has violated my consumer rights to privacy. LexisNexis has also violated codes XXXX USC 1861b Permissible Purpose.

In a response letter to a previous complaint, LexisNexis admitted to gathering information from another data furnisher named PACER ( Public Access to Court Electronic Records ) system. LexisNexis, in-turn use this information on my consumer report and provided this information to other consumer reporting agencies without my permission. 

This has resulted in multiple failed attempts for me to financially advance and continues to cause damage to me as a consumer. 

I demand that LexisNexis, provide proof of Permissible Purpose. 
I demand that LexisNexis, provide proof of my consumer rights to privacy was not violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation