BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: FC HoldCo LLC
State: MI
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:
On XXXX XXXX  There was a inquiry listed on my credit report in which I didnt associate with. Ive reached out to the company multiple times where I was told they will remove the inquiry however they havent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In an attempt to buy a house, I realized there are damages on my credit report. According to Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], there should not be any damages on my report. This is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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 fraud alerts or security freezes

Complaint:
On XX/XX/22 I, XXXX tried to unfreeze my credit report and Experian portal redirected to their 888 number and dialing that number redirected to sending all my licence, SSN card and other details by mail. In this age, Experian is making it hard for me to access my own credit report for credit purposes. Why can't they verify on phone like how XXXX does? XXXX also did not pose any problems for us.

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 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
BankofAmerica Why is your team refusing to return money that was stolen from me? You know fraud was going on during the pandemic and billions were stolen. I have a police report and the money is insured. My whole identity was stolen. This is stressful and effecting mental heath. Card was used everywhere without my consent, claims w edd filed without my consent. I never received anything. I had covid 3 times since all of this started. For a year you let them steal from me and now you wont pay the rightful account owner. All I ask is to be treated fairly.

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 2021-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there is a negative balance on a credit card i have no knowledge of

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 2020-06-03
Company: JPMORGAN CHASE & CO.
State: WA
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:
While in XXXX, I purchased an XXXX XXXX XXXX at a jewelry store for {$1000.00}. 

Upon returning home I had the stone appraised and it was concluded that it was a fake and worth {$5.00}. Furthermore, the stone was weighed by a non-calibrated scale, so if the stone had been genuine, the merchant used a fraudulent scale to weigh it. 

I was given a temporary credit back but that was removed and they reissued the bill a month later. 

I contacted Chase and they informed me that because I made the purchase in a " Face to Face '' transaction, I was not entitled to a refund. I had an opportunity to examine the merchandise before I purchased it and could deem whether or not it was fake. 

I have a certified gemologist XXXX world-renowned ), who provided a comprehensive account of the diamond. He's done this for many clients that have purchased counterfeit items and has never heard of a credit card company treating their customer the same way that they treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2019-08-09
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number. 
When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so. 
On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me. 
I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account. 
During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no. 
I asked her when I would get my money back from the account. She said around 20-25 days. 
After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX   Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again. 
In the meantime, I have received my debit card, emails with promotions as if Im still a customer. 
Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know. 
So why, SunTrust did you close my account. I believe I am entitled to know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Convergent Resources, 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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

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 2019-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I realized XX/XX/2019 my husband had a judgement through Portfolio Recovery Associates LLC on a XXXX XXXX account. I paid the entire debt in full on XX/XX/2019. I have been requesting the associated documentation ever since. I have been told every day that I call it's in processing. I have called 3-10 times a week since XX/XX/2019 to request the satisfaction letter. It took me until XX/XX/2019 to get ANY sort of documentation that showed I paid the debt in full. I have been requesting the judgment be satisfied through the courts to close on a home I am purchasing. I have now filed via XXXX XXXX Court XX/XX/2019 in order to get this paper work I have now been requesting for 4 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Avant card stooped card use after one day late i proved beyond a doubt with a pdf that payment sent yet Avant would not help me solve this issue at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NY
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 XXXX agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Someone is using my information for apartment leases and try to open a credit and also trying to get loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XX/XX/XXXX  Sunday started calling at XXXX, again at XXXX again at XXXX. This happens every Sunday once an hour up to XXXX XXXX. Also, other days of week 3-4 times a day. Then they also send emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Receivables Management Partners, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robocalls started on XX/XX/23 and initial voicemail was left with little information on who was calling. If I answer the call, I just get a recorded message, the same as what is left on the voicemails : " This is receivables management partners LLC calling. This is a call from a debt collector. Please call us back at XXXX. Thank you and have a great day. '' The number they are calling from continues to change and is not the same as the number they tell me to call back. They call once a week and leave a voicemail and recently, the voicemail has indicated they are from Receivable Management Partners. I have not received any mail indicating my rights or what the debt might be. 

I don't believe I have any debts to be collected on, so I assume it is a scam. I am afraid to call the number as they may try to rope me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00}.

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 explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe following personal information is incorrect. The personal data reporting is inaccurate.

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 2018-08-07
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter requesting Equifax verify an item on report via certified mail XX/XX/18 ( i have uploaded an example of the letter ). FCRA recommends 30 days to verify. I requested that the item be verified or deleted. It is now XX/XX/18 and I have not gotten verification. This was the second request made to company as i initially requested deletion due to no knowledge of account on XX/XX/2018 via online. Of the three bureaus one ( XXXX ) deleted as meeting FCRA requirements on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After carefully reviewing my credit report, I noticed a closed Capital One account that was not mine. I contacted all three credit bureaus requesting for them to remove the account. I expressed that my credit report must be accurate, verifiable, and reporting timely. They responded that Capital One sent proof that the debt was mine. I asked the credit bureaus what the document stated they responded that they could not tell me. I then sent a letter to Capital One requesting debt validation. I asked them to provide legal proof that I have done business with them such, as a signed contract. Capital One did not respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
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: Account status incorrect

Complaint:
I applied for a credit card with XXXX and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and XXXX fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.

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 2022-12-15
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2017-12-21
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
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:
Drive Now Acceptance repossessed my vehicle and then processed a wage garnishment. No matter what they wo n't report that the account is in collections or charged off or is repossession. They keep telling me and the credit bureaus that the account is open. This is false and they should stop these deceptive false reporting and fraudulent claims against me when they are clearly violating my rights as well as FCRA regulations as a furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Aldous & Associates in the mail XX/XX/2023 about a debt being owed to a XXXXXXXX XXXX theyre trying to receive a payment of {$570.00} Ive proceeded to call the collection agency to see what this was about because Id never heard, contacted, or signed anything pertaining to this company when I spoke to the representative she stated if this was deemed to be fraud then to contact the police department or file a identity theft report. I choice to report it to identify theft which i have a reference number to that since then Ive looked through all my accounts and noticed on my XXXX XXXX account a attempted charge of XXXX on XX/XX/2023 at XXXX I immediately deactivated my account. I then call back the collection company Aldous Associate to file a dispute with them which I was told I could not do a dispute over the phone but to write a letter to them, before I could send my letter off it was placed in collections even after me speaking to XXXX of there associate about any deadline dates I needed to have the letter in by, I was told there was no time frame. I tried to follow up my dispute through XXXX XXXX but they are stating everything to be accurate which is false and they should be very aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a debt validation letter on XX/XX/XXXX to Portfolio. Listed were 2 accounts Re : Original : XXXX XXXX XXXX XXXX Balance : {$3400.00} Opened : XX/XX/XXXX Re : Original : XXXX XXXX XXXX Balance : {$1600.00} Opened : XX/XX/XXXX I asked for the following : o Proof of my agreement to pay the original creditor ; o A copy of the final account statement issued by the original creditor ; o A breakdown of the total amount due, showing principal, interest and other charges ; and o For all other charges, the date of and basis for each charge. 

I failed to get a response back from Portfolio. On XX/XX/XXXX around noon, I call Portfolio Recovery Associates, and asked for the DVL to be mailed to me for the two accounts above and this account they had listed : Re : Original : XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX The representative said she was mailing the 3 accounts.. It has been 10 business days and they have not responded. 

If Portfolio does not have proof of the debt they must remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief