BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt has not been validated. 
Proof of The name and address of the original creditor, The original signed contract between me and the creditor, Full payment history of the account and Proof of ownership, assignment, authority, and license to collect has not been sent 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 explanation
Consumer complaint received 2023-10-27
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, and I have taken appropriate steps to rectify the situation. I have also submitted an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). As a result, I have been issued an Identity Theft Report [ XXXX ] by the FTC, which confirms the identity theft incident. I informed A.R. M. Solution that the Dept is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. XXXX XXXX and capital one card are not my doings. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Westlake portfolio management on multiple occasions I sent ftc reports to the credit bureaus and all. I told them can I get a contract where it say I signed with them. Every phone call is recorded so yesterday on my 5/6 time calling for an update the guy stated we dont have to send you anything only the credit bureaus. They keep stating a car from us auto sales and how they took over their accounts. This has been all over the news.

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 2023-10-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting 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 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Someone stole my identity and got an apartment in my name. I've tried contacting the company to explain and get them to remove it from my report but company never responded. I've now filed a police report, hoping the police finds the person and the company can remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: DISCOVER BANK
State: AZ
Product: Credit 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:
I had made several big purchases from XXXX XXXX totalling around $ XXXX. I did not receive these items. I tried numerous times to dispute it directly with XXXX and they refused to refund me despite not receiving my items. I went ahead and opened a dispute with discover and they ended up closing the dispute not in my favor and reposted the charges to my account. I do not believe I should have to pay for items I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: UNITED COMMUNITY BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Consumer Financial Protection Bureau Subject : Complaint regarding refusal to cash a check issued by United Community Bank Dear Sir/Madam , I hope this letter finds you well. I am writing to file a complaint regarding an issue I am facing with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I kindly request your assistance in resolving this matter. 

On or around XX/XX/2023, I received a notification from United Community Bank informing me that my business account had been closed due to it being overdrawn. During this time my business continued to make small deposits to bring the account current. We received a large payment which provided the bank with all overdraft fees and made the account positive again. At that time when the account was no longer overdrawn, United Community Bank XXXX XXXX made the decision to close the account and issued a check in the amount of {$2300.00} as the final balance of my account made payable only to the business. I am currently unable to cash this check because my divorce resulted in a drop in credit score which is impeding my ability to open another business account at any bank. 

The check in question is made payable to my business, XXXX XXXX XXXX XXXX XXXX. I am the XXXX  of the business and have documentation to provide the bank. Unfortunately, I no longer possess a business account with United Community Bank or any other bank. I do still have a personal account with United Community Bank, however, they refuse to cash the check. Consequently, I am facing difficulties in obtaining the funds that are rightfully mine. 

I have made several attempts to explain my situation to the bank representatives, but they have been uncooperative and have refused to cash the check. I believe this refusal is unjustified, as the funds were issued to me as the account holder, and I should be able to access them without hindrance. 

Given the circumstances, I kindly request the intervention and support of the Consumer Financial Protection Bureau in ensuring that my rights as a consumer are upheld. Specifically, I would appreciate your assistance in mediating a resolution with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX such as requesting them to reissue the check in a format that can be cashed by an individual rather than a business entity. 

I have attached copies of relevant documents, including the check in question for your reference. If there are any additional materials or information required to facilitate the resolution process, please let me know, and I will provide them promptly. 

I sincerely hope that the Consumer Financial Protection Bureau can help me rectify this situation and ensure that I receive the funds owed to me. I eagerly await your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: AZ
Product: Credit 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:
Stayed one night at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX for {$640.00} and booked a much nicer hotel suite than normally booked to celebrate a XXXX birthday. Hotel management failed to notify the room was ready, despite being requested to, and the time available for the amenities was reduced. Upon arrival to the room, there were curtains missing, bathroom toiletries were missing, the carpet had noticeable burn marks in multiple places, and the bed sheets had stains. The front desk informed us the hotel was booked up for the weekend and no other rooms were available. Following checkout we notified the hotel management again of the issues, provided photos, and left a negative review. Hotel management acknowledged the issues that were noted, but offered no remedy or explanation as to why the quality of their rooms did not match their advertised material. 

The hotel 's mistakes are something they have acknowledged, their rooms did not match the quality that was advertised when the reservation was made, the issue was brought to their attention when they could have resolved it, and they were unable or unwilling to resolve it during or make amends after the fact. 

My current issue is that I have a right to dispute the quality of goods and services not being as advertised with my Discover card according to the Billing Rights in my cardmember agreement since I made the purchase with a Discover credit card. I have tried to initiate this dispute, and have been told many times incorrectly that it is not something that I can do by Discover employees. This is despite me pointing everyone I talked to toward Discover 's cardmember agreement Billing Rights section, the Fair Credit Billing Act summary text, the FTC information about the FCBA, and the Consumer Financial Protection Bureau 's consumer website explanations about the FCBA that emphasizes that right to initiate a dispute for that reason.

After pushing for it to be opened, the dispute was eventually filed as dispute case XXXX. In response, the merchant provided no information to show that the quality of goods and services matched what was advertised to refute my claim. The merchant provided evidence the transaction occurred and that is all. However, Discover 's agents decided that the evidence that the transaction occurred was sufficient and closed the case in their favor. Discover 's agents are refusing to answer my questions and repeating incorrect information instead of handling the dispute according to the contractual agreement that I have with Discover and according to the laws that Discover is subject to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have a two-year loan and this company is Fay Serving , keep charging me extra money. over XXXX XXXXXXXX XXXX. I have another year. I'm trying to refinance, and I call customer service and I'm on hold for a whole hour and still no answer. meanwhile I could lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to dispute some inaccurate information on my credit report with Experian and they keep sending me email stating that they don't believe it's me that's disputing my information. I have responded with confirmation that it's me, all of my personal information as well as copies of my identification, social and a proof of residence and they still send me emails stating they don't believe it's me. When I try to call the number on the email, it's just a loop and does not take you to anyone that can help. It appears this is some sort of a scam to get you to sign up for the Experian Website or App so they can charge you money to dispute the things on your credit report. I am not interested in paying being a member of Experian, I just want the inaccurate accounts on my credit report investigated and removed. I was under the impression that the Credit Bureaus had to comply with the Fair Credit Reporting Act and had to investigate disputes and that the CFPB regulated these companies to comply and that is why I'm filing a compliant. However, I'm reading on the CFPB website that these companies often ignore disputes and you have to file complaints with the State Attorney General or file a lawsuit against them. That's confusing because they are violating Federal Laws! Why doesn't the CFPB protect consumers against these companies like Experian and allow them to violate consumer rights and the Federal Law?

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 2023-10-31
Company: SYNCHRONY FINANCIAL
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So my account has a large amount of money in it and Synchrony bank has restricted my account due to lack of proof of address and identity. I have sent proof of my drivers license, electricity bill, and letters of proof, via email, mail, and their website. They claim they have not received anything and are not unrestricting my account and holding my money hostage. I have also asked to talk to supervisors and they put me on hold and then the phone gets hung up.

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 2023-11-01
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been XXXX most of my life and never went to college. At some point, my identity was stolen and used for several different accounts. I recently received a copy of my credit reports, and I have open debt with Navient for {$19000.00}. I have mo knowledge of the debt since I have never taken out any student loans. I have attached a copy of Police report and included my Identity Theft Report # from the FTC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been unlawfully tricked into paying a debit that credit collection service did not legally own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I deposited a cashiers check which is cash. The bank put half my deposit on hold I called and was advised to call back on Tuesday to have the additional funds released when I called back on Tuesday I was advised that the hold would have to remain. I dont understand how a check that is certified funds can be placed on hold for a whole week. Its unacceptable and a better policy needs to be put in place for guaranteed funds. The bank does not have any walk in locations where Im located and should not be allowed to tie up peoples funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: American First Finance, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my XXXX  score lowering it from XXXX to XXXX. According to the report, a company named American First Finance ( AFF ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with 60 days current in arrears. 

On XX/XX/2023 I connected with XXXX to dispute the recording who disclosed to me that they could not share the AFF account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with AFF who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : XXXX XXXX, American First Finance. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

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 2023-11-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to correct this issues but I had no luck with this .I pay all of my bills on time and I never take people money .because I have to do right

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from JPMCP CARD SERVICES on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX, 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX XXXX open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation