BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of a rent home before my lease was up. My lease was up in XXXX and I moved in XXXX. I paid my rent for the month of XXXX in full I also paid XXXX dollars for a re-letting fee. The property manager had someone in the house at the end of XXXX and he is charging me for XXXX, XXXX and XXXX rent. I have asked him several times to adjust some things that is false and he not do it. I have been to XXXX and talked to XXXX lawyers and they requested pictures and justification for the prices and bill for work performed at the resident. XXXX nor I have received any of the items requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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 with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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
Consumer complaint received 2016-09-04
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm invoking my specified remedy as a Federal Corporation member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2017 XXXX charged over XXXX dollars on my debit account without my permission claiming that the payment had been done online. I did not authorized this payment and did not make an online payment since the money i had in my account was for my rent. I called Chase right away and they stated they needed to investigate the transaction. Yesterday I spoke with them and said they could do nothing since XXXX had every right to take the money since I owed it. I am currently waiting on a reimbursement from XXXX to pay XXXX. I am now behind on my rent and utilities since they took all my money. Chase is not helping me to resolve this issue even though I am telling them this was a fraud. This was also tried on my daughters account but they were unable to take the money since she had no funds. She had to cancel her debit card due to the fraud attempt. As of today Chase approved the {$2200.00} transaction after all my calls and complaints about this not being authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about. XX/XX/2020 I was looking at my XXXX  account and saw my husbands Walmart/Capital one card on my credit report. My husband and I spoke before about why my name was a authorized user on his card when I had my own Walmart/CapitalOne card with a higher limit of XXXX and his was only XXXX. I called XXXX  and tried to explain it to the while my husband was sitting there with me and I was advised to file a dispute that he said he could do for me I explained the situation and said my husband didnt want my name on his card my husband gave me the last 4 of his credit card and I told the man my last 4 Numbers I told him the XXXX # # was my card that card is fine my husband wants my name off his and gave him the last 4 of XXXX card thats all I wanted to do but I checked dispute report about XX/XX/2020 and saw it was deleted. I called Walmart/Capital one and asked about my card they sent me to fraud department after identifying who I was they said my card was closed due to fraud. I explained that it was not fraud and that I have payments that need to be made and I was told I couldnt make a payment on it either I told them Im trying to get my credit together and I dont want to miss any payments that can mess with my credit. I was told I can write a letter explaining what happened send 2 forms of ids and have it notarized. I had already applied for a social security card so I waited a few weeks it didnt come so I called Capital One again was again sent to fraud department and tried to explain my situation again and was hung up on at least 3 times finally talked to man at Capital one explained my situation again I was put on hold the man returned and said he would transfer me to another department I asked for the direct number so I could call he said wasnt one. I told him I was told by a lady in fraud department to fax info with 2 forms of ids and could I use my XXXX card he said no social security card and picture Id but I cant fax it I can only mail i t to Capital one XXXX XXXX XXXX XXXX XXXX Utah XXXX .i have just received my social security card and will try to get a letter notarized but my bank only has drive up  service but Im trying to get some answers here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
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: Account status incorrect

Complaint:
I paid off the XXXX dollar debt o XX/XX/2021 I filed a dispute with equifax that the account was closed on XX/XX/2021 on XX/XX/2021 equifax concluded its investigation stating the company verified the information. That can not be plausible nor possible if equifax actually contacted the company after XX/XX/2021 because they would've said the account has been settled and is closed. That shows equifax doesn't actually investigate adequately nor accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.

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 2017-01-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a email from XXXX stating that there was a change to my credit report. That a inquiry had been made for a installment loan ( which turned out to be from cash central ) .On XXXX XXXX, 2017 at XXXX. 
Moments later on XXXX XXXX, 2017 at XXXX I received another email from XXXXXXXXXXXX that I had been approved for a loan of up to XXXX dollars and to click here to verify my identity " which i have not ''. I have since received reminder emails stating the same as above on XXXX XXXX, 2017 at XXXX, XXXX XXXX, 2017 at XXXX, and XXXX XXXX, 2017 at XXXX. Which is unsettling because before I had received a email from them I had never heard of this company nor have I done business with this company. And I am worried as to how this company had come across my personal information. And were able to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: NCC Business Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years. 
The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}. 
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX  and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: OK
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:
After submitting bad review over the customer service I received there was an open line of credit added to my account and then one of the employees attacked me under my review online .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRUIST FINANCIAL CORPORATION
State: MO
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:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Sheffield Financial, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2020-06-10
Company: Bread Financial Holdings, Inc.
State: CA
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:
5 {$1000.00} Payments were made from XXXX account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so Comenity bank states! 5 payments in the amount of {$1000.00} each were made to Comenity Bank ( The same way each week via bill-pay from XXXX XXXX  for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to Comenity some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called Comenity Bank and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called Comenity Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XX/XX/2019XX/XX/2019XX/XX/2019 XX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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