BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on

XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am reque
sting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This isnt my account, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good day. I am having problems with AES. I went to XXXX  school and took out loans for that. Being a naive enthusiastic XXXX  student I did not realize what I was getting into with my school. My loans were from the school but now they are with AES. While I was in XXXX I was expected to pay on my loans and I did at times, but I could not afford the payments. I did get some deferment but the interest was accruing. Since graduation in XXXX, I have been consistently paying my loans, only missing a few months in between. I have paid a total of XXXX k into my student loans. The interest rate is a variable one and at one point was high as 11percent. I have tried to contact aes and get a lower interest rate, but I was always given an answer of no. Most of the XXXX I paid went to interest and late fees. I have also asked for a settlement amount and I was told again no. This year I have made consistent payments and have asked them to stop reporting negatively to the credit bureaus, but they were not able to help me. I tried to refinance my student loans with XXXX and XXXX and got rejected. My credit score has suffered due to them reporting to the bureau. I am not able to get a house or do anything because of this. My credit profile was recently pulled from a mortgage lender and I was told that it appears on my profile as if I have not made any payments to my loans since last year. I have proof of payments. All Im asking is that they work with me so my credit score can go up. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep receiving Credit Cart applications from Capital One that I do not want. The bottom of the form has an " OPT OUT '' phone number, but when I call it the recording requests my Social Security Number. I will never give out my SSN to a recording just to stop receiving credit card applications and I don't trust Capital One with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello Im filing this complained with you today. Im not sure if I marked the correct circles. This is the debt collector name PHOENIX FINANCIAL SERV the amount is XXXX it was for XXXX XXXX   XXXX. I was unaware that I owed this money I was in an accident in XXXX the XXXX was in XXXX I was under the understanding that it would all be covered by the car insurance XXXX was paid out over XXXX was paid to medical and I was never notified that I owed anything. I tired calling the XXXX  billing department they were less than cooperative. I moved back home to XXXX  and never thought about medical bills from that XXXX again as I stated I was not aware I owed anything. I am XXXX and XXXX  living off of XXXX trying to survive. I dont understand how they can ruin my credit when they never reached out to me til almost 3 years later. Please help

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

Complaint:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

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 2023-08-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan was transferred without notifying me, vehicle disabled on multiple occasions, wrongfully up information it was given out, wrongful insurance fees

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

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to

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 2020-09-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Target store sent me an email XX/XX/23. 
They thanked me for applying for a credit card. 

I never applied for it. 
XXXX. 
XXXX I emailed them. 
I wrote 1. I never applied for the card.

2. I am not responsible for any charges.

3.Cancel this card 4. This is Identity Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a collection notice from I.C Systems , Inc. for the Creditor XXXX in the amount of {$350.00} on XXXX. I contacted XXXX directly instead of the collections Company to verify my concerns of fraud. I spoke to two customer service members and both verified my name and address were not in their system, and also verified they dont offer services in my area. The 24 digit Account number that was supposed to be my XXXX Account number was also verified fake as it started with an XXXX  and customer service said that normally in Wisconsin it will start with an XXXX. My initial thought was fraud due to the fact Ive never had a XXXX account. But this will surely fool lots of people the paper looks really professional and many will be scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: GA
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 Reporting Credit Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-01-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, an unauthorized purchase was made using my joint checking SunTrust Checking Debit Card account with on XXXX. An XXXX Laptop was purchased in the amount of {$1600.00}. Subsequently, my rent bounced in my account due to insufficient funds resulting from this purchase. I have appealed to both XXXX and SunTrust concerning this purchase. I am unable to get any details concerning where the item was shipped or who received the item, although XXXX did indicate that an unauthorized party used the card. I have filed a police report in XXXX County ( XXXX XXXX ), and the XXXX account has been closed. 

I spoke with SunTrust Fraud Assistance Center concerning this matter and my claim was denied. I am not in possession of this laptop and need the amount fraudulent taken from my account returned to pay my rent and support my family.

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 2018-03-07
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State Farm Bank still refusing to remove this account which is not mine from my XXXX credit report. I never received any correspondence from this account on how to file a dispute or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX lease is reporting inaccurate late payments for XXXX and XX/XX/2019 to all the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Account information incorrect

Complaint:
XXXX XXXX Accounts # XXXX This account has been paid and closed since 2019 but my Equifax report is still showing that it is open with a balance. How can this be? XX/XX/XXXXand XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Chrysler Capital Accounts # XXXX This account has been paid and closed since 2019 but my XXXX report is still showing that it is open with a balance. How can this be? XXXX XXXX XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage loan with Investors Bank on XX/XX/2020, but I have not received any documentation evidencing that the loans was paid off. I have not received the cancelled mortgage and/ or note or the release of mortgage lien documents. The Loan number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous ( weekly, then daily ) calls from a Synchrony Bank starting on XX/XX/XXXX through XX/XX/XXXX. The caller ID indicates the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. The voicemail message left states the call is from Synchrony Bank and to call the customer service # XXXX XXXX XXXX XXXX for faster service. I do not have a bank account at Synchrony Bank. When calling the customer service # or the XXXX XXXX XXXX XXXX, the automated " teller '' requests that you enter or " say '' a full bank account # or full credit card # or full SSN ( not just last 4 digits but full SSN ) to " pull up your account '' in order to speak to an agent ; there are no other options. Another recording starts off by asking if you want to make a payment on your account and then immediately asks you to enter your debit card #. It takes three rounds of asking for this personal information before the automated voice gives you the option to " say I do not have that '' - it is not clear up front how you get to speak to a customer service agent without giving out your personal information. This is a clear red flag for a scam or fraud phone call - and if Synchrony Bank is real - then it is completely inappropriate to require a customer to enter this information over the phone to identify themselves. People all over the internet are reporting receiving scam calls from Synchrony Bank. On XX/XX/XXXX, I waited on hold over 15 minutes and finally got a live person on the phone. She asked me for the phone # that was being called and gave me some fake names of people she was trying to get in touch with. If these are legitimate calls ( I would suspect for debt collection ), the voicemail should state the name of the person ( s ) they are trying to reach and give a number that does not require you to enter your SSN before you can speak to a live person - you should have the choice to speak to an agent without entering your bank information. I have had the XXXX # since XXXX. The person I spoke with did tell me that the Bank would take my number out of the caller database - but I am not convinced that these are not scam calls.

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 2020-09-18
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX  and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a MONOPLY business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..

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 2018-07-23
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We have received multiple calls from Commerical Acceptance Group about a debt to XXXX XXXX XXXX for a visit they made to our home for our infant daughter. We have been trying to work this out but the woman we spoke to is very unhelpful and rude. She told my husband she " does not have time for his XXXX '' and that she would put down that we want to file a dispute. We have tried to tell them we do not want to file a dispute we just need more information about the debt. We have been hung up on numerous times while trying to get more information to work out this debt. The debt is in our minor daughter 's name yet somehow they have obtained our phone numbers, birth dates and social security numbers even though we never provided them to any entity involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a continuation of my first complaint that is still open. The complaint is with PNC Bank and XXXX XXXX, XXXX XXXX XXXX, XXXX has attempted repost my payments that have been posted incorrectly, however I made a payment today and AGAIN the payment was posted incorrectly. I will be sending her notice of this as well. PNC needs to be investigated!! 

Thanks, XXXX XXXX. 
XXXX file #

Company response to consumer: Closed with explanation