BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: I.Q. DATA INTERNATIONAL, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I rented an apartment at XXXX XXXX XXXX XXXX located in XXXX, Florida. In XX/XX/XXXX after obtaining my credit report I learned XXXX XXXX XXXX XXXX claimed that I owed them {$3700.00}. I learned that XXXX XXXX XXXX XXXX sold the debt to I.Q. Data International. Inc. a notorious collection agency. I also learned the debt had increased to XXXX. As of today the debt is {$4200.00} ( see derogatory_mark.jpg ) On XX/XX/XXXX I mailed I.Q. Data International. Inc. a registered letter, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate '' the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see uploaded iq_data_letter.pdf ). Then again on XX/XX/XXXX I mailed I.Q. Data International. Inc. the same letter ( by registered mail ) that I mailed to them on XX/XX/XXXX. I mailed the registered letter to two known I.Q. Data International. Inc. known addresses. 

Sometime in XX/XX/XXXX the registered letter that I mailed to I.Q. Data International. Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. On or about XX/XX/XXXX one of the two letters that I mailed to I.Q. Data International, Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. I know for a fact that all my letters were delivered, received and signed for by a I.Q. Data International , Inc. representative because USPS enables clients to track and verify registered letters are received and signed for ( see IMG_4072.jpg )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX fraudulent credit inquires I do not own a business and someone is trying to open credit in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Earnest Inc.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.

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 2017-02-19
Company: Levy & Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Levy & Assoc. have been harassing me for over a year. They claim that I owe Ohio Sales Taxes. They claim they found my name listed with a business that I have NO knowledge of. I tried to explain to them that they have the wrong person and the e response was why are you so upset then? They call me all day everyday from several different phone numbers. Today I opened my mailbox to find XXXX different letters for XXXX different accounts. I feel they chose me because of my past credit issues which I have never disputed. This however is totally different because it 's an absolute lie! It 's a travesty that they would be allowed to virtually terrorize someone on a daily basis just because he has had financial issues in the past. They have told me that the State Of Ohio is after me, this after I just moved out of the State. I have never been in sales and I ca n't possibly owe Ohio any Tax. Instead of finding real culprits, they have settled for a XXXX and if I did have the money they are accusing me of I would hire a lawyer and sue them to no ends for the pain and embarrassment they have caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 found that this account is not belong to me and i found that this account is damaging my financial life

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 2022-07-06
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
CHRYSLER CAPITAL ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX  XXXX  also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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:
These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
We got a XXXX fee to our checking account but could not understand why, had no outstanding checks. When we asked customer service and branch manager at bank, we were told that it was a debit card charge from XXXX. This seemed impossible since Debit card purchases wo n't authorize unless funds are in the account, which they were at time of purchase. Also, an authorization for the amount immediately goes on the account and fubds removed until final purchase a few days later or authorization falls off. Well, according to customer service the XXXX store decided they did not want their money and the bank put funds back in our account. We can not find this alleged funds back in transaction in our account. We asked bank for proof they put funds back in our account but they refuse to provide it. We do not even see original transaction but many days later it appears the bank took the amount out. They refuse to reverse the fee for their own error because they reversed XXXX fees in the past but XXXX of those fees occured because they took an annual debit card fee for charity card without warning us, again banks fault. We want our XXXX returned. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is regarding account, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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:
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 you 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 block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 - I have made a {$7000.00} deposit at XXXX XXXX, CA ATM, XXXX x {$100.00} bills and BoA did not credit my account. ATM said it was having difficulties, {$300.00} was credit applied. I opened a claim and Bank of America would not credit my account the {$6700.00} missing. They keep telling me they are escalating the claim, but nothing happens.

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 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.

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 2020-01-17
Company: Paypal Holdings, Inc
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: Credit inquiries on your report that you don't recognize

Complaint:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received an email from a credit reporting agency stating new activity is showing on my profile. 

Upon checking I see a notification stating Capitol One had closed my line of credit. 

I contacted Capitol One to see why this could be. 

The Capitol One representative shared that the account was closed due to excessive return payments. 

I have an idea what excessive return payments could be but considering I never set up any auto pay with Capitol one or linked any bank Im not sure how Capitol one could be pulling funds of mine from anywhere. 

The representative stated excessive return payments are payments that have not successfully gone through. Payments that were not successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TD AUTO FINANCE Date XX/XX/2020 XXXX : VIN # [ XXXX ] To Whom It May Concern, This letter is a formal statement notifying the above party that the accounts under VIN # XXXX ] are disputed. Repossessed in the state of GA and sold by TD AUTO FINANCE Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this letter, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. A copy of this letter will be sent to the names listed. Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Other

Complaint:
I returned an item to XXXX, but they did not credit my account. I sent documentation and letters to Capital One indicating proof of lack of indebtedness but they claim I have not. I received a small claims judgement against XXXX, but Capital One refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief