BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
because of covid 19 i missed payment. i amppaying now the mortgage payment every month. i have a balance and want some help to be up to date. i had lost my job before. now i am able to pay the payment not the old balance, i need help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I own XXXX XXXX XXXX XXXX, We opened an account with Pinnacle Financial Partners in XXXX XXXX, TN on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX at the XXXX XXXX XXXX emailed me stating the account is being closed. She stated it would be closed on XX/XX/XXXX and debit cards shut down on XX/XX/XXXX, she stated the reason was an unclear XXXX XXXX report. 

My corporate attorney verified my XXXX report is not frozen and also verified with XXXX legal team that Pinnacle Financial Partners was sent my report numerous times and no freeze code was sent. Later that day on XX/XX/XXXX, XXXX had blocked access to the account completely ( online, phone, debit cards ) and told me to pickup a check, when I went to the bank police were waiting as an intimidating tactic. The check received was thousands less than what was in the account. 

I have emailed XXXX and my lawyer has too several times and she does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
Re : Regarding Report Number XXXX To Whom It May Concern : I am writing to dispute information in my consumer report furnished by XXXX XXXX XXXX on violations of the Fair Credit Reporting Act ( FCRA ) and Washington state law RCW 9.35.020.

FCRA Section 1681a ( d ) ( 2 ) ( A ) ( i ) excludes certain account information from consumer reports. However, I have identified that my consumer report compiled and furnished by Experian contains information reported by XXXX XXXX regarding accounts and transactions solely between XXXX XXXX and myself, including details of account history, payments, status, etc. 

Because Experian has included information excluded under the FCRA, this constitutes a failure to comply with the FCRA and meets the definition of identity theft under Washington state law. 

Therefore, pursuant to 15 USC 1681c-2 ( a ), I formally dispute this XXXX XXXX information as resulting from identity theft. I am enclosing a copy of my Washington State Drivers License, Current Utility Bill and Social Security Card ; I have identified the information resulting from identity theft needing to be blocked ( below ) along with a copy of and identity theft report filed with the FTC. Under 15 USC 1681c-2 ( c ) ( 1 ), you may NOT refuse to block this information based on any other information in my file.

Consumer Statement : Please be advised the information being disputed in this notice is being furnished to my consumer as a result of identity theft and is not information relating to any transaction authorized by me to do so. 

I request Experian immediately BLOCK any and all data furnished by XXXX XXXX associated with Account # XXXX from my consumer report within 4 business days, as required by federal law. Please confirm once my consumer report has been updated. 

Thank you, 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 2019-07-23
Company: BCG Equities, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some unknown addresses and accounts that are on my credit report. I have never done business with BCG EQUITIES LLC/ XXXX XXXX XXXX XXXX XXXX XXXX . I was told to file a report with the FTC and XXXX police for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: CA
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 have been disputing 5 fraudulent accounts from my credit file, for which are reporting on my equifax credit reportings, i have started disputing these inaccuracies and fraud accounts since XXXX of last year ( XX/XX/XXXX ), but so far equifax has not been able to remove these fraud accounts from my credit file. i have submitted a police report several times and not only that has not help, they have given me so much stressful life and living, i am not able to even rent a car let alone buying one, my life has stopped and has been the most stressful and depressed life someone could have. please you are my only hope to resolve this issue with equifax and this disaster of mine. 
i had resolved my XXXX and XXXX  issues with in 6 months, but equifax has been giving me trouble and a very difficult time. 
i called XX/XX/XXXX equifax for the last time, and they still were not able to help me and literately XXXX me and my life. 
i hope in the name of XXXX that this complaint would being me justice and resolve my credit issues, unfortunately as you all know credit here is the most important subject even more important than apiece of bread. let alone being a fraud victim and caring all these inaccuracies on your shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 Convergent Accounts has violated my rights : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Bass & Associates, P.C., Attorneys at Law
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Disputing derogatory student loans with the Department of Education, I get a letter in the mail from '' Federal Student Aid ''. " Federal Student Aid '' Is not the Department Of Education, though they use DOE letterheads.I was told in the letter that no matter what, collection efforts will not stop because the same laws do not apply to " The Department '' .The letter also stated that my request to cease communications in writing had to be put into writing in order to be valid.The letter was rounded out by saying I owe a additional XXXX in '' Projected collection fees '' and to contact XXXX & XXXX.I sent a response containing yet another request ( 3rd ) to cease communications via certified mail.My wife got a phone call with a angry message from a woman saying I needed to call her about my student debt a few days later, then a written response saying they tried to call me because the letter I sent certified mail was empty.Its a huge burden to have student debt without the added stress of dealing with shady collectors.Anyone can see these letters all originated from the same source, and it isn't DOE, its a collection agency impersonation of DOE.They haven't provided the Original instrument of indebtness, A valid breakdown of their fees, What is owed and being reported to the CBs , and have on several occasions violated my consumer rights.I felt intimidated by these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning dear in XXXX XXXXXXXX XXXX I find it in my Equifax report some account from XXXX XXXX last XXXX XXXX XXXXI dont applay for this account it was the identity theft I don't recognize this account, this account is fraudulating is come up in my credit report and still over there.Please help me for remove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX XXXX TRANSUNION ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

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 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I mailed a letter to them to close my XXXX XXXX account but no confirmation my account has been closed. I have enjoyed them as a bank but told them I have another account with another bank now with a higher APY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, I was harmed by Wells Fargo illegal activity from XXXX to XXXX from the *continuous* incorrectly charged over draft fees and frozen from my bank account. The total amount was {$5000.00} was taken. Ultimately, I closed the account from the unlawful banking activity and the amount of mental and physical stress it added to my life.

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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hello Sir/Madam, I appreciate you can assist this case. 

There was a advertising, which mentioned I can earn 2 tier-qualifying night credits for each night I stay from XX/XX/2021 to XX/XX/2021 as long as you applied by XXXX XX/XX/2021 ( as attached ). Then I applied the credit card on XXXX XX/XX/2021. 

When I checked with Chase about my sign-up bonus, the customer service replied I'm not qualified as Chase approved XXXX XX/XX/2021. It doesn't make sense to me as the terms of condition was indicated apply by XXXX XX/XX/2021 not approve by XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BARCLAYS BANK DELAWARE
State: CT
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:
On XX/XX/2019 I was purchasing seats on a round-trip flight when I noticed a promotional banner ad encouraging me to sign-up for a XXXX credit card ( with a {$100.00} account credit if I used the card for the XXXX flight I was purchasing. ) I applied and was approved for the card, but when I was navigated back to the checkout page I was informed the rate / fare for the seat had increased! When I was finally able to re-confirm my seat I noticed the price of the seat had gone up by {$70.00} ( effectively negating the discount I put a hard inquiry on my credit report to get in the first place. ) This seems like complete bait-and-switch to me when the price goes up at the same time I am approved for a credit of nearly the same amount.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-11
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:
Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.

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 2022-12-13
Company: Incomm Holdings Inc.
State: CA
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:
The card XXXX XXXXXXXX XXXX XXXX was purchased in XX/XX/2022 and used once to purchase a 1 year subscription to the paramount streaming service. 
The card has been locked up and not used or accessible to anyone since first use. 
Tried to use the card for a purchase on the XXXXXXXX XXXX XXXXXX/XX/2022 and it was declined. When I logged into the card issuer website I found that a fraudulent charge was placed using the card to purchase XXXX gift cards on XX/XX/2022. 
I contacted XXXX and gave them the purchase info and verified that the purchase had nothing to do with me. 
The fraudulent charge was causing my attempted purchase to be declined Contacted the card company ( XXXXXXXX ) on XXXX XX/XX/2022. Was made to enter the card number multiple times then the cvv number multiple times before being placed on hold for 1 hour. When call was finally answered I explained the issue and was told an email would be sent within 5 minutes requesting the information needed to process my dispute but he email was never received. 
Called company again that same day. Same issue with card number and cvv number needing to be entered multiple times. When call was answered after 30 minutes hold time I started to explain that I had not received the email and was being told that it would be 60 to 90 days until a complaint could be pursued and when I started saying that I felt that was unacceptable the call was disconnected from their end. 

The process and hold times needed to contact the company makes it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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

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 2022-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX, Equifax, XXXX Has Failed to comply with their own credit company policies in a timely manner.

Company response to consumer: Closed with explanation