BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Global Lending Services LLC
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:
Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from global lending services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with PEOPLES COM. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
! I pay my balance IN FULL every month less any statement credits. In XXXX. I paid everything in full less a credit that ironically hit XXXX days later, even though it was submitted days before my statement due date! so I got stuck with XXXX in finance charges for a XXXX statement credit .called they would not waive the fee but said if you pay balance in full the next statement then no more fees.I did that for XXXX payment .looked at my XXXX bill and yep..more finance charges!! XXXX this time. called them asked for a supervisor ... and told her to pull up the call I had the prior month with the prior supervisor who refused to credit the finance charges.She found the call date but ironically that call wasnt recorded. XXXX refused to credit the finance charge when the prior agent clearly told me there would not be any more once I paid my prior balance in full by the due date and that calls were recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me getting it back up and going I am not sure if this is some mistakes as I assume it has to be I have not been able to get help from them for days they are not doing their job properly I thought you guys would help me thats why I filed a complaint against them my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My huntington bank will not allow XXXX XXXX any communication although I have agreed please fix this on my account. My number isXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, how you doing today.. this company Credence Resource Manage is doing fraud.. 
i seen they posted on my credit, first of all i live in XXXX florida ... this fraud company is in XXXX, i have no reason or interest over there. they are a XXXX debt collector.. buy accounts for bulk and try to make income ... 
to repeat i never had tmobile and this fraud company say i did ... simply ask them send the original contract with signatures if they cant provide that remove this fraud and how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: NV
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:
Please reference Complaint XXXX CFPB premature closed complaint against EQUIFAX. A complaint was recently closed which I initiated against Equifax and their disregard to the Fair Credit Reporting Act and the laws govern by both the State of Nevada and the US Federal Government. I believe that CFPB closed my complaint prematurely and whereas, my issue was in regards to Equifax habit and practice of not properly verifying the information which they insert into my consumer credit report. I am well aware of an ongoing investigation into the illegal practice of some creditors to continuously report an old closed charge off as a NEW CHARGE OFF. This in itself is wrong since a charged off account which is closed can not be updated each month as a new charge off and the document which I attached displays this practice. How can one closed charge off account be charged off over 20 or more times? Furthermore, I understand that a charge off account carries with it negative attributes which last for 7 years on a consumer 's credit file but to constantly misrepresent a single charge off as if it was a new charge off each and every month is illegal and deceptive at its core of fair credit reporting. If this is so-called normal practice then I will contact the US congress and my state representative because if my memory serves me well, this wasn't the case many years prior. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2020-04-29
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved phone call from company called credit management on XX/XX/XXXX about a XXXX  past due cable bill from XXXX. I have never received any notification on the mail about alleged debt or anything. This is the 3rd collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX XXXX/XXXX  XXXX  refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: MS
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:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX  which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

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 2017-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( Capitol One ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to XXXX XXXX XXXX, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX XXXX : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 XXXX HRS : CALLED CUSTOMER SERVICE AND ADVISED ME THE ACCOUNT IS CURRENTLY RESTRICTED, LOSS PREVENTION TEAM ADVISED BECAUSE THEY WOULD LIKE TO CONFIRM CHECK # XXXX WITH THE DOLLAR AMOUNT OF {$53.00}, ADVISED ME TO CALL ME DURING THE NEXT BUSINESS DAY. 

XX/XX/2019 XXXX HRS : CALLED LOSS PREVENTION, ASKED ME TO REFER THE MAKER OF THE CHECK TO CALL THEM AND NOTATE HER ACCOUNT. 

XX/XX/2019 XXXX HRS : MULTIPLE NOTATION HAS BEEN MADE BUT LOSS PREVENTION CHANGED THEIR MIND CLAIMING THEY WOULD LIKE TO VERIFY WITH THE MAKER OVER THE PHONE. ASKED ME TO CALL BACK AFTER XXXX HRS. 

XX/XX/2019 XXXX HRS : HAD BOTH MAKER AND ME ON THE LINE TO SPEAK WITH THE LOSS PREVENTION, BUT NOW THEY WERE CLAIMING THEY CAN NOT CONFIRM EITHER/BOTH OF OURS IDENTITIES. ASKING BOTH OF US TO STEP INTO A BRANCH. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION ADVISED THAT THEY WOULD ALSO LIKE HAVE VERIFICATION OF THE TWO CHECKS ISSUED BY UNITED STATE POSTAL SERVICE ( XXXX ) XX/XX/2019 XXXX HRS : STEPPED INTO THE XXXX BRANCH AND ASSISTED BY A BANKER AT XXXX HRS. BOTH OF US PRESENT OURSELF WITH TWO PIECES OF PHOTO ID. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION INDICATED THE ACCOUNT WILL BE CLOSED AND CHASE NO LONGER WANTS TO DO BUSINESS WITH ME. THE BANKER SAID I AM SO VERY SORRY BUT WE ARE PARTING AWAY AND YOU CAN NO LONGER DO BUSINESS WITH CHASE NOR I OPEN A NEW ACCOUNT FOR YOU XX/XX/2019 XXXX HRS : STILL AT THE BRANCH DEMANDING AN INCIDENT REPORT OR ACCOUNT CLOSURE LETTER, AS I INDICATED TO THE BANKER ( AND WE BOTH HEARD THE CALL RECORDINGS TOO ), THE LOSS PREVENTION DEPARTMENT NEVER BE ABLE HAVE AN ANSWER WITH CONSISTENCY. 

XX/XX/2019 XXXX HRS : BANKER CALLED IN AGAIN AND ASKED FOR DIRECTION, BUT THIS TIME LOSS PREVENTION INDICATED THEY WILL NOT CLOSE MY ACCOUNT AS LONG AS I CAN CALL THE CHECK MAKER TO COME BACK IN 2 MINUTES AND SPEAK WITH THEM OVER THE PHONE, AND GO OVER SOME TRANSACTIONS WITH THE BANKER. THE BANKER WAS TELLING AT THEM : WHY THE HECK YOU GUYS PUTTING THE INCONSISTENCY ON ME? ... THE VERIFICATION IS FINALLY COMPLETED EXACTLY AT XXXX HRS AND NO NOTICE OR LETTER HAS BEEN RECEIVED AT THIS POINT. 

-- XX/XX/XXXX : Visited a branch to remove account restriction XX/XX/XXXX : Visited a branch to remove an ATM card restriction XX/XX/XXXX : Visited a branch to remove an online access restriction XX/XX/XXXX : Account locked again XX/XX/XXXX : Visited a branch to remove account restriction XXXX : Account locked again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
These people called me to make a payment which I did I paid off in full I mailed them the check and they said theyre not gon na report it to my credit report and now they did report it to my credit report and theyre not refusing to take it off they made me make a payment which I could not even afford and I was disputing it and I asked for a letter verification on the deck which they refuse to do and I still paid it took the money out of my kid is miles and they wont remove something they told me they were never gon na report they violated my rights under the fair credit and billing act to disputing the stat not only did I pay at the reporting on my credit report and the refusing to remove it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dates 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 2019-07-31
Company: Experian Information Solutions Inc.
State: TN
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:
According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX ( Original Creditor : 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 2017-07-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MS
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:
After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX  to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.

Company response to consumer: Closed with explanation