BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
XXXX19 an application was submitted at XXXX of XXXX on my behalf in error. Capital one has been notified of this error on SEVERAL OCCASIONS from myself, XXXX of XXXX AND all 3 credit bureaus yet they have failed to have the inquiry removed. This has negatively impacted my credit report and i shouldnt have to spend months of my time getting a mistake THAT I DIDNT MAKE corrected. The representatives at XXXX have been rude when I call, place me on extensive holds and disconnect calls NO ONE HAS EVEN CONSIDERED HELPING as a business THATS JUST TRASH!!! Ive sent letters as well but the fact remains XXXX has to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Suntrust received payoff for our loan on XX/XX/2020. We were advised it would take about 15 days to close out our escrow account. After that time I contacted them again and they said our escrow refund had not been sent yet. I called again after the XXXX of XXXX and was told our refund check was mailed on XX/XX/2020. After a week of not getting it I called and again was told it takes up to 10 business days. We did not get the check by that time and I called again and was told it was mailed and I needed to give it more time. Today is 28 days since Suntrust received payoff and we still have not received our escrow refund. I called today and after a 30 minute hold XXXX answered by call. I explained everything to him and told him this is not acceptable. It never took 30 days for my payment to get to them and it should not take 30 days to receive a check they mailed to me. I asked to speak to a supervisor who could authorize a stop payment and overnight me a check. He put me on hold a few minutes, came back and said they were working remotely and it might take another 3-4 minutes. I told him I would hold because this needed to be resolved. Instead of him putting me on hold, he disconnected the call. I used to work in a call center, I know calls are disconnected when the associated doesn't want to be bothered with the problem. Suntrust at this point owes me my check, plus interest at the rate of XXXX which is what I was paying on my loan.

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 2021-06-04
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my affidavit i stated violations on behalf of XXXX XXXX and Global Lending Services. I believe i federally protected consumer have been violated in several way under the fdcap, fair debt collection practice act. fcra fair credit reporting act, and also tila truth in lending act. any fraud in any contract is null and avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair credit reporting act XXXX account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate AccounXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX OF XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Americas Car-Mart, Inc.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Upon attempting to make a payment over the course of 48 hours, repeatedly received message that I would need to unlock/unfreeze my credit report prior to making this payment. Verification had already been performed via email, text message codes and customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: AES/PHEAA
State: FL
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:
FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX  XXXX XXXX  XXXX XXXX. 

As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have attatched a document supporting my claim of XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX reporting inaccurate information on my credit report, I highlighted all inaccurate parts of the report. 

IM REQUESTING THAT ALL ACCOUNTS MENTIONED TO BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate XXXX  XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history 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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Despite several complaints, Bank of America continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. Bank of America and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.

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 2019-03-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company, XXXX XXXX XXXX, calls me about 2-3 times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to 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 2017-09-19
Company: EQUIFAX, INC.
State: OH
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:
Filed a complaint with the BBB against Equifax for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB Equifax claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed into sending money to an impersonator of XXXX. I contacted my bank, Chase, to stop the payment when I figured out it was a scam and they refused to do anything. They said if I authorized the payment, there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

CAPITAL ONE Inquiry : XX/XX/XXXX Auto financing CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal info was used without my permission to open fraudulent accounts and unknown residenal addresses. 

Experian XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX Acc # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
Experian refused to update a account although i privided adequate documentation. XXXX XXXX paid off XX/XX/XXXX. XXXX XXXX XXXX XXXX removed as a authorized user on XX/XX/XXXX. No actions were taken

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 2020-11-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From XX/XX/2020 through the present. I have been receiving communication from Discover in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The problem is with a U.S. Bank Gift Card purchased at XXXX. XXXX, the named agent on the card, has stolen {$12.00}. A purchase for {$12.00} was made on XXXX19. Upon checking the card balance online, the {$12.00} charge was accompanied by another " Pending '' transaction for the same amount from the same company on the same date. I called the XXXX phone number listed on the card and reported the problem. I was told the duplicate charge could not be removed. I was told it was clearly a duplicate transaction and would come off of the card within 48 hours. This phone call was made on XX/XX/XXXX. I checked the card balance today and the disputed amount now shows up as a charge on XX/XX/XXXX. 

XXXX said I have to dispute the charge and it takes up to 240 days to resolve. Meanwhile, as I was talking to them, my online statement was taken down! After pointless conversations with a XXXX agent and then supervisor, it is apparent the money has been stolen and XXXX is going to give me the runaround until I get tired and give up. 

After too much time it became obvious that this duplicate charge was no accident and was not going to be restored. I believe XXXX is DISHONEST and has stolen these funds. STAY AWAY FROM VISA GIFT CARDS, XXXX AND U.S. BANK GIFT CARD!!!!

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 2019-03-06
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.

Company response to consumer: Closed with explanation