BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: SUNTRUST BANKS, INC.
State: GA
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:
Someone hacked my XXXX  acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.

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 2018-03-29
Company: AMCOL Systems, Inc.
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector reported negative items to my credit files. As they should be under the Charity program of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
REPEATED CALLS FROM THIS COMPANY SAYING THAT THEY ARE TRYING TO COLLECT A DEBT.. THAT THEY WERE TRYING TO COLLECT A DEBT THAT WAS WROTE OFF BY THE ORIGINAL CREDITOR WHICH THEY GOT A TAX BREAK ON SO NOW MEDICREDIT IS COMMITTING TAX FRAUD AND BREAKING HIPPA VIOLATIONS XXXX HAVING MY PRIVATE RECORDS ON FILE WITHOUT MY CONCENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Capital One repeatedly calls daily. Contacted family member twice regarding personal business and was not authorized. I did notify them to never contact my family member again but they continued against my instructions. They told my family they were a collection agency and wanted to speak with me regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TD BANK US HOLDING COMPANY
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:
Nordstm/TD indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: WA
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:
Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-04-03
Company: Bridgecrest Acceptance Corporation
State: NV
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 disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. XXXX  according to XXXX XXXX reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, 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:
Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
I bought XXXX XXXX tickets for my elderly parents in XXXX of XXXX but the Airline cancelled the flight because of Covid without reimbursement. I filled a dispute with American Express and everything got resolved. But then in end of XX/XX/2020 I say a back charge of {$1600.00} on my statement, I reached out to American Express and they told me that it was from the dispute back in XXXX and somehow they did there audit and find out. 
I think it is unfair to me that when the dispute is once settled and I have moved on and then I get this surprise back charge from my credit company because they made a mistake somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX AMERICAN PROFIT RECOVE XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
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: Account information incorrect

Complaint:
I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Problem with personal statement of dispute

Complaint:
I have a lot of Inquiries from different lenders that I didnt approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: The CMI Group, Inc.
State: AL
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 has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX  balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : 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 This happened with all three dealers and involve XXXX XXXX, Equifax and XXXX credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately. 

If you have any questions, you can contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: I.C. System, Inc.
State: AL
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 has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX  ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

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