BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-01
Company: SUNTRUST BANKS, INC.
State: CA
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:
on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

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 2019-02-22
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Dynamic Recovery Solutions, LLC
State: OH
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:
The name of the collection Company is Dynamic Recovery Solut. The amount stated is XXXX ; opened XX/XX/2022 ; reported XX/XX/2022. There was no response within the 30 day window however it's still on my credit report I've sent letters to dynamic recovery solut and also XXXX. According to the fair credit reporting act this account is a breach of Hippa guidelines and regulations ; yet, The erroneous information remains on my report. The company has not responded at all however XXXX  sent me an online notification even though in my letter I specifically stated that all correspondence should be sent by Mail as I'm keeping a detailed record of when I sent the letters in order to hold them accountable. They have not responded by mail and it has been past the 30 days. The company has not responded either I sent them a letter stating that they were breaching my consumer rights ; I.e., HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX  Account # 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 2019-10-13
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a Citibank account in XXXX fave Citi account number and copy of deposited check with my account number. Citi keeps saying they cant find ut. I have been asking for statements since closed years ago.

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 2017-09-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information

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: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have asked Experian, XXXX and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian XXXX and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX with absolutely no response. 
so my question is if XXXX cant get propper validation from XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter.

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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This year when I applied for credit I was told that my credit score was lower, but only with Transunion and the other two XXXX or XXXX, and I tried to get my updated credit report nd score from them, but still cant get it even through the annual credit report? The bottom line the score they have is false and they need to correct it, so I want to file a complaint and wonder they somehow have it lower than others?

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 2019-10-13
Company: HOME BANCSHARES, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm in Dept to the courts and child support and it's gotten so bad I can not even afford to turn the electric on at my house or uptain auto insurance to commute back and forth to work. And I'm barely hanging on by a thread if it wasn't for my neighbors and my brother XXXX I'd probably be starving to death I even owe centennial bank {$1400.00} XXXX XXXX {$260.00} and my old boss at XXXX XXXX {$420.00} for helping me get my license reinstated and my tax guy XXXX XXXX at XXXX XXXX XXXX XXXX almost {$1100.00} I could really use some kind of assistance with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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 is missing that should be on the report

Complaint:
Equifax lowered my credit score due to the fact I paid off over {$21000.00} in student loans. When I paid off closed credit cards my score went up. When I paid off vehicles my score went up dramatically. When I paid off my student loans my score fell. I was told by a representative my score would not have been decreased if I had not paid off the loans ; a statement that was refuted by her supervisor ( I have a recording of the conversation ). There was no new negative reporting from my last billing cycle. The only major change was the elimination of student loan debt. I was told closing my student loan accounts was treated as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Source Receivables Management LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had paid XXXX {$970.00} then another {$540.00}, and within a Month claimed I owed them {$1100.00} plus ... every time I would call or stop by XXXX store, they would tell me they can't take care of this problem here, you need to contact Corporate!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. I was going through my records & noticed many files 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 is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2019-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One has once again inaccurately reported my credit balance incorrectly after I submitted a dispute to Capital one to fix this error. I submitted a dispute on XX/XX/XXXX after speaking with a Capital One Rep., who told me about this process, hoping it would be corrected so my credit score would not suffer. The underline issue is that Capital One is still not reporting my balance of XXXX which is the balance on my XXXX statement which was supposed to be reported on the XX/XX/XXXX but instead my balance of {$1000.00} was reported prematurely to XXXX and XXXX by Capital One on XX/XX/19 which made my credit utilization 59 % when instead it should have been 28 %. My billing cycle was not closed while Capital One reported my balance of {$1000.00} prematurely. I am sending supporting documentation that includes the amount on my billing statement which should have been reported on the XXXX of XXXX. After sending Capital One dispute department a detailed letter describing this issue in attempt to fix the problem ; Capital One responding by reporting XXXX on XXXX, instead of XXXX. I am at my wits end with Capital One after three years. After calling Customer service numerous times, no one knows what is going on, I keep getting the run around and I can not not reach anyone directly at Capital One who would address this concern. 
I will also provide my dispute letter that was sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of. 
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name 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: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act -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 XXXXXXXX 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 report 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 non-monetary relief
Consumer complaint received 2019-10-13
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2016 XXXX occurred on my Credit in the amount of {$1200.00} Aa which I did not open this account

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 2020-04-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.

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 2021-10-04
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/21 I started a dispute process with Equifax regarding inaccuracies on my credit report, a total of 7 accounts. I request method used to verify the debt as well as notification of the outcome of the investigation results. I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the dispute outcome. On XX/XX/21 a second dispute letter was again sent to Equifax requesting a reinvestigation into the 7 accounts with inaccuracies. I again requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the outcome however when I checked my report with Equifax on XX/XX/21 only 1 of the 7 accounts I disputed had been removed. On XX/XX/21 a third dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again I requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or the investigation outcome. On XX/XX/21 a fourth dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again method of verification was requested as well as notification of the investigation outcome. Again no notification from Equifax was received regarding my dispute letter being received in process or the outcome. As of XX/XX/21 the 6 accounts I have been disputing with Equifax remain on my credit report and Equifax has not provided any of the information I've requested or deleted the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.

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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Step 1 : What is this complaint about? Chase card member Services continues to reinforce that I made valid charge, yet the company will not tell me what was purchase for the money rendered and who the company really is because I d not recognize the charge. Additionally, despite multiple resolution attempts and email messages on its secure messaging system, they do not seem to read the email requests and answer questions that were never asked. The request is to provide the name of the Company ( its real name and not a Doing Business As fake name which I do not recognize and also to tell me what was purchased for the {$150.00} on the date XX/XX/2019. 

Step 2 : What type of problem are you having? The company is not providing clear answers to the questions asked and is not resolving the dispute. The company continues to say the charge is valid yet it will not produce the actual company name that was given the money, the contact information of the company and the product or service for which the charge was made. The company ( Chase ) has an agreement with the vendor, otherwise the vendor would not accept Chase 's credit card. Chase has a duty and an obligation to provide me the company name its contact information to include phone number, address, website, email address and the product or service that was purchased. Chase is not providing this information despite multiple attempts. 

Step 3 : What happened? Apparently a charge was made for {$150.00} on XX/XX/2019 to a company called XXXX FL XXXX  XXXX. I do not recognize the company. The name makes absolutely no sense to me and I do not know the product or service that was purchased. I've disputed the charge multiple times only to have Chase tell me that the charge is valid. Yet, Chase will not produce the real name of the company, its contact information, nor the product or service purchased. There is not valid reason for hiding and not producing this information to me ( the purchaser ) of the product or service. 

Step 4 : What company is this complaint about? Chase Card member services. 

Step 5 : Who are the people involved? Chase card member Services and a company called XXXX FL XXXX  XXXX. 

Step 6 : Resolution requested : Given that Chase will not produce the requested information and it can not be determined to whom the charge was made, nor what product or service was purchase, I request that the purchase be invalidated and a refund to my card be made of {$150.00} for the XX/XX/2019 purchase.

Company response to consumer: Closed with explanation