BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX Is Harassing Me. All Of A Sudden, They Sent ( I Sent Copies Of Everything To You ) Me A Letter. The Letter Stated That They Needed Copies Of My : Driver 's license, Social Security Number, Proof That I Lived At My Current Address, For Over 2 Years Etc. I Also Sent Them Copies, Of The PAID IN FULL Credit Card Accounts. ( XXXX-Card Was {$2000.00}, XXXX XXXX Credit Card Was {$17.00}. Both Paid Off, About A Month Ago. I Also Paid {$1000.00} To My XXXX XXXX XXXX. EQUIFAX Discriminated Against Me, For Knowingly That These Credit Cards Were Paid Off, But They Didn't Show It On My Credit Report, Purposely. Why Were They Able To Show Negative Information, For The Past Month, Without Requesting All Of This Identity Scam. They Know Who I Am And Where And How Long, I've Lived Here. They Just Want To Give Me A Hard Time. This Is Not The First Time, That They Weren't Able To Keep My Credit Score Accurate. I Also Sent Copies Of The Credit Carrds And My TD Personal Loan PAID Statements. The Two Other Credit Bureaus, Don't Have Any Problems, With Keeping My Credid Report Accurate. Proof Of My Credit Card Accounts Being Paid Off, Should All They Need To Correct My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, XXXX XXXX Capital One closed all three of our family and personal accounts We were told that they no longer wanted us my savings, personal and joint accounts with my husband. They made it difficult for us to withdraw the funds and we had to go to the bank and communicate by phone to CapitalOne It was a tedious process and extended because we had to go to the bank office in XXXX Va Capital One encouraged digital banking transactions and so when the account was closed I no longer had access to my payment history and deposits from my retirement funds and social security were not accepted Bills that were arranged to be automatically paid through the bank were difficult to rearrange and there were some extra fees incurred This many months later its a start to restart some deposits that came from XXXX to my husband in a pension Capital One had a data leak and many charges over several months accrued on two of the accounts prior to the bank refusing to serve us as customers. Credit cards were closed and we were inconvenienced by having to dispute erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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 belongs to someone else

Complaint:
I HAVE SEVERAL INQUIRIES THAT ARE FRAUDULENT ON MY ACCOUNT. THEY DO NOT BELONG TO ME AND THEY ARE STOPPING MY ABILITY TO OBTAIN CREDIT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : CA XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry

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 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Account information incorrect

Complaint:
SO I OVERPAID ON A PAYOFF WITH XXXX  XXXX  AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Portfolio Recovery keeps calling me for a XXXXXXXX XXXX collection. The issue is I had a XXXX XXXX many years ago ( XXXX timefrmae ) and the balance was paid off at that time and I closed the account since I no longer used it. Portfolio Recovery is now trying to collect on a card that is fraudulant. I was a victim of identity theft in XXXX and this company is calling my phone multiple times a day and will not stop. This is NOT my debt to pay and I would like for them to stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXXXXXX XXXX XXXX I found out that my identity had been stolen. I received a court summons at work. I received a summons at work on XX/XX/2023 from the XXXX XXXX XXXX for some sort of debt from Harpeth Financial Services. I was not familiar with this group and upon research found that it was for a XXXX loan of sorts called XXXX XXXX and the loan was identified as a Flex loan? I have never had an account with this group. The information used to obtain this loan was from an address that I have not lived at in 9 years. There was no actual signature shown on the paperwork submitted to me. The documents they sent had no IDs and I can only assume this loan was obtained online as it appears there is only an electronic signature. The paperwork that was received shows the loan was in the amount of {$2800.00} and the court summons shows {$4800.00}. As if this was not enough, I did try to dispute the debt myself. The paperwork shows no account number as the number has been blacked out on the document and telephone number is blacked out as well. When I disputed the debt, I was harrassed in a manner which I had not seen before, apparently a person who " searches for people '' has been speaking to my neighbors and calling my family members. Please make this madness stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SYNCB/PAYPAL on XX/XX/20 placed a hard inquiry for credit on my credit report. I did not apply for credit with syncb paypal.

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 2021-10-13
Company: EQUIFAX, INC.
State: NJ
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 applying for and getting denied for an apartment, I received a copy of my most recent credit report. I noticed there were items on there that were not mine and I believe are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( 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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Maynard Nexsen PC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good afternoon, Please see the attached complaint as there isn't enough room to list it all here. 

I've been lied to continually about the balance on a vehicle intentionally with the sole intent of extorting more money from me. There is no way that over XXXX  in " lawyer fees '' can be assessed in 3 business days after receiving an initial amount to satisfy the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018 XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018

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 2021-09-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021, I called BBVA Customer Service to request a new Debit Card. I was advised that I would receive it ... ASAP. I again call BBVA customer service in or around XX/XX/XXXX to inquire about my debit card. I was asked to visit my local branch, which I did to request ANOTHER card. XX/XX/2021 I again call BBVA to find out the status of my card and I was told to visit the local branch AGAIN to request the card. I called the local branch, and I was advised that NO ONE, WENT ON XX/XX/2021 TO REQUEST a card. I will start acquiring late fees because of BBVA failure to provide me the means to pay my bills, which all of them are ONLINE and only can be done thru debit/credit card. Last thing I was told by customer service locally was that they apologize again for the inconvenience and that they will not assist me to find a quick remedy to my problem, which is one that they created in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear Complaints Department : Please refer to my complaint regarding Bank of America 's failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with the XXXX XXXX, Bank Of America, but so far they have ignored my pleas for help and have not closed the fraudulent beneficiary company 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I would like to file a complaint against Citibank XXXX XXXX XXXX California for misleading advertising by offering {$700.00} credit offer voucher whenever I open a business streamline business checking account at this branch, and making a deposit of {$25000.00} dollars or more and maintaining the balance in this business streamline account for more than 60 days. But I opened my business streamline account on XXXX2021 and deposit on the account more than $ XXXX and since then over 90 days and up-to-date, I still have not yet received the {$700.00} credit voucher as promised. I feel like that I have been cheat and misleading by the bank. I demand for your help and investigation on this matter. Please do advise, I did contact the bank officer several time, left voicemail and sent email but still no answer. I even visited the Citibank Branch yesterday but the branch is closed with the sign posted in front of the window. 
I have all the supporting documents in regard to the credit offer of {$700.00} dollars. 

Thank you very much

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 monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-08-28
Company: Frost-Arnett Company
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The nature of this complaint, is the abusive practice of Frost-Arnett and violation of law.

They have called a family member not myself to discuss a medical issue billing in violation of Federal and State law, they must verify who owns the phone before attempting any communication, in their letter they write that if they hear by XXXX  they assume info is correct.

Not, they can not assume, Frost-Arnett and any debt collector can not and should not assume by any date. They must do their due diligence.

They should abstain making threats at any given times, and avail managers.

They are trying to collect a paid off debt, and only care how to defraud innocents, they should be shut down. 

This was paid by XXXX on XX/XX/23 check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Thaxton Investment Corporation
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 status incorrect

Complaint:
One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***

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 2021-10-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. 

I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. 

I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation