BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute to have a item on my equifax report removed and when I called them to get a update they asked me a few security questions which was fine I answered the questions and they still tried to tell me that it wasn't me they asked if I have other credit cards or department store cards which I said yes they asked what was the monthly payments which I told them and then asked if I had fraud alert on my account and if so what month and year I told them no I don't recall having that on my account they asked me one more question which I can't remember now but I answered it I gave them all my other account information and still got treated as if I was someone else and this from the company that had a major security breach I can go to the website and login but didn't see anything about the dispute so I called them if you can give me any help to take legal action against them it will be greatly appreciated because I am tired of them and their XXXX I gave them all the information I could and still got no help please help me with any information about how to take legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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:
A company named XXXX XXXX is reporting an account on my XXXX, TRANSUNION AND XXXX XXXX report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, TRANSUNION, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.

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 2018-01-09
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX  company is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX  company and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-01-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute. 

Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.

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 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have struggled getting copies of all signed transactions by me. They refuse to send me this evidence. I have not received any bills from Capital One for a very long time. I made them aware of a fraud situation and a XXXX XXXX case I have pending in the legal process. They ignore me, refuse to return calls, we also have many Language barriers. They seem to just want to continue damaging my credit every month. I work hard to be a good citizen, they refuse to communicate. This is fraud. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted at my work number by XXXX  XXXX at XXXX CST on XX/XX/XXXX at my work telephone number. I notified the person on the phone that she was not allowed to contact me at my work number. I never gave permission or authorization to be contacted at work. I also told her orally that I am not allowed to get these kinds of calls at work. She told me that she tried to reach me and was unsuccessful so she would continue to contact me at work. I repeatedly told her she may not call my work number and she suggested that I put her on hold and go into another room. That is unacceptable and unprofessional. The person never confirmed my identity other than " Is this XXXX? '' I could have been any XXXX. She did not confirm my DOB or any other information before revealing that this was an attempt to collect a debt for past due credit card payments that were 4 payments behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.

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 2020-08-19
Company: EQUIFAX, INC.
State: NC
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 formal dispute on an error being reported on my credit report on XX/XX/2020. I provided Equifax with proof of payment from the creditor XXXX XXXX XXXX with a payment confirmation. On XX/XX/2020 Equifax reported that the dispute was investigated and the incorrect damaging information was not removed from my account. Equifax dispute confirmation number is XXXX. I feel that Equifax failed to investigate the dispute and error which has erroneously damaged your financial standing and wish to escalate this matter to the CFPB as a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact them.

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 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX and I'm a veteran. Since XX/XX/XXXX, I was denied a loan modification, I was told om today XX/XX/XXXX that a loan modification was approved and the new mortgage payment will be over {$700.00}. This amount to high for me to pay and it does not allow for any emergencies. 

Now Bank of America is the problem since they never would approve an modification until now. They said my XX/XX/XXXX taxes " looked funny '' and that's why I was never approved. XXXX XXXX  from Bank of America had been helping me but its apparent that his loyalty is to Bank of America and not me, the mortgage payment needs to be no more than {$600.00}, That's only fair since to was Bank of America 's fault. 

Please 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 2020-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for bankruptcy in XXXX  and this card was included in the bankruptcy but the same card is showing on my report as open and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: SYNCHRONY FINANCIAL
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Having a PayPal account that I use for XXXX etc ... with a XXXX visa card was removed and replaced with a Walmart master card that was not activated by me, when I called Walmart they would not give me an explanation on this matter of how the card was used or got into my computer without my consent and said the card did not have to be activated and that it was just for in store purchase, again I asked how did this get into my account with PayPal, no answer was provided. also contacted synchrony bank and PayPal with no results. After closing a account with Walmart about 3 months ago they still sent a new card which was not used by nor activated by me. Dates of use are XXXX to XXXX with a amount of {$600.00} and the reason I discovered this was declined payment on XXXX  purchases thru the holiday shopping and seen wall mart in place of XXXX visa.

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 2017-07-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.

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 2020-02-26
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX, hung up on by staff XXXX as I asked for the details of what I owe Financial Data Systems for the amount of {$1000.00}. 

I, XXXX XXXX, was requesting that Financial Data Systems provide verification of this debt with account number XXXX. 

I, Requested the name and address of the original doctor bill, any signed documents to see specific doctor, any agreements made with the doctor, the account number, and the amount owed. Requested any signed documents with the doctor for his service and all original documents of XX/XX/XXXX medical services with the specific doctor claiming I owe. Requested Verification all details of the original bill and original signing agreements to such doctor, including all pages. Requested for Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX www.fdscredit.com shows that there is a valid basis for claiming I am required to pay the current amount owed of {$1000.00}. 

No verification was given to me from the medical bill including any agreements signed. I was sent an invoice and collection on credit reporting agency from Financial Data Systems for a debt of {$1000.00} with no validity to debt and no agreements signed for debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the doctor. My address is in XXXX XXXX and XXXX XXXX, I never got notice at my address of this debt before. 

Sincerely, 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 2021-09-13
Company: A-L FINANCIAL CORP
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:
Listen to me, I can't believe that you are still reporting this as charge off / collection. This is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: World Acceptance Corporation
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

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