BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside XXXX work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: SUNTRUST BANKS, INC.
State: VA
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:
Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified. 
However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.

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 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, I purchased hair products at XXXX XXXX store in XXXX XXXX with the amount of {$29.00}. ( please see receipt attached ). 
On XX/XX/XXXX, I returned the hair products because it dried and damage my hair and my scalp. I asked for store credit as it states in the receipt that : '' If your purchased does n't give you the beautiful results you 'd hoped for, we will happy refund your money ... .If your receipt is older than 60 days, you 'll receive in-store-credit for the lowest selling price within 60 days before return ''. ( please see receipt attached ) The XXXX XXXX store 's manager refused to return my money. 
On XX/XX/XXXX, I contact Capital One credit card for dispute the charge. The Capital One credit card staff told me that they will credit back to my account soon. 
Until now, I have not receive credit back from credit card company. On XX/XX/XXXX, I contact the Capital One credit card company again, they told me that they do n't allow me to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello and thank you again for having a look into this matter for me. Since XXXX I have done everything within reason and legally to the best of my ability to get this company to do the right thing. I have mailed off letters asking them to prove the debt and help me understand how it is mine as they claim. 

They have failed to do this within 4 months and I am now seeking help from CFPB. 

CONTRACT CALLERS INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Claiming I owe them {$130.00}

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 2017-09-02
Company: EQUIFAX, INC.
State: IN
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:
Equifax is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked Equifax to hear my dispute with XXXX XXXX XXXX XXXX regarding a " charge off '' that was paid before the alleged charge off took place. Initially Equifax advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely VA refinance on my home. 

Please discipline Eqifax and require them to come into compliance with FTC and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit 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 these files. 
XXXX CARD XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} 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 accounts are 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 non-monetary relief
Consumer complaint received 2017-09-02
Company: Ingo Money, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. 

I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Experian Information Solutions Inc.
State: ND
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. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me

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 2019-11-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently was a victim of having my cell phone number " stolen '' -- someone took my number and then was able to hack into my bank accounts, credit card etc by having verification codes sent to my cell phone number. I am currently trying to close my American Express account because they have used that card to make fraudulent charges but have been unable to do so. American Express is requesting that I send over a copy of my license and a video of my face so that they are able to close my account. I am refusing to do so because now I am worried that I may be hacked again. I was advised that these incidents sometimes are " inside '' jobs so I do not want to send any more personal information. Therefore, I was unable to close my account and I am worried that it will keep getting hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
SINCE CAPITAL ONE DATA BREACH MY 2 CAPITAL ONE ACCOUNTS ARE MIS REPORTING ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX at XXXX I called Bank of America to try to settle a debt. The offer was {$8300.00}. I asked if I could have until Friday ( XX/XX/18 ) to decide. Bank of America said yes. They also said if I decide I would have 63 days to come up with the {$8300.00}. 

I called today to accept the offer and make a payment. However, today they said they the settlement is now {$13000.00}. Whatever happened to offer and timely acceptance? Are banks held to some other standard than the rest of the world? 
They acknowledged they made an offer of {$8300.00} good until today, but I guess they can do whatever they want. Thank goodness the government watches out for such consumer abuse and makes a wrong a right!

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 2022-07-19
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account 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. 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. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX BANK 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sixth 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 of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;

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 2017-09-10
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX I received notice that all accounts listed on my credit report with Aargon Agency Inc. were all closed and would be deleted from all credit reporting agencies. As stated before I do not have an account or contract with Aargon Agency. There is still an Aargon Agency account reporting on my credit reports in the amount of {$570.00}.

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 2022-07-19
Company: EQUIFAX, INC.
State: IL
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 letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX  XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$450.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; XXXX OF EDXXXX XXXX Balance : {$450.00} ; DEPT OF EDXXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}

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 2017-10-17
Company: Ditech Financial LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My parents were attempting to purchase a manufactured home in XXXX in South Carolina. 

I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. 

I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. 

I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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 with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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