BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fact, I the affiant is aware and have proof that Experian has and continue to violate my consumer privacy rights. I the affiant observed XXXX violations on my consumer report. Experian is and continues to be in violation of 15 U.S. Code 1681 ( A ) ( XXXX ), 15 U.S.Code 1681 ( A ) ( XXXX ), 15 USC 1692 ( D ) ( XXXX ) ( XXXX ) 15 USC 1681 ( A ). Even after being informed numerous of times that the information was incorrect and should not be on there. I have been injured numerous of times from Experians gross and negligent and willful behavior. These inquiries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and mental anguish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: LA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I set up a joint account with my sister who has XXXX XXXX with Capital One. No money was put into the account to fund it. I was not given access and the account was locked. I asked to close the account since no money was placed and capital One will not let me. I asked them to stop sending reminder emails and they stated they can not stop that either even though it is affecting my sister 's XXXX XXXX. I gave them all my information and they said they can't do anything until they can verify my sister, who does not live in the same area as me and does not have a cell phone. Their process is not fit for someone with her condition or resources. So they will keep sending her a message to correct her information and fund the account. They need to stop this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2020, I was granted an EIDL loan as a contract based sole-proprietor who had suffered a loss of hours and income due to covid. 

On XX/XX/2020 Capital One froze my account, stating that as a sole-proprietor I wasnt eligible fo this loan. This is not correct. 

I have conferred with the SBA who assured me everything about my loan was in order and I did qualify AND was entitled to use the funds for rent and utilities. 

My wifes funds are also frozen, including payment shes received from her contracts. 

The funds have been frozen for almost 1 month. I have supplied all information to the bank to prove that I was eligible for this loan as a sole-proprietor and that funds were only used as permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: RI
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:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with   XXXX   ( formerly  XXXX   XXXX   ).   Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

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 2022-09-12
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My online account with Ally would not allow me to make online payments to pay my balance ( monthly payments of {$370.00} ). I reached out to an agent of the Ally auto who suggested I make the payments through money order and send them via mail. My car was repossessed a few weeks later ( XXXX XXXX ), although I have been consistently sending payments through usps mail. After speaking with Ally agents on the phone, I was told that it takes two weeks up to a month to process the payments via mail. This caused my balance to remain up, even though payments had been sent for my account. I have written documentation of trying to get this problem resolved with Ally Auto, and I have evidence of payments sent for the balance. My car was taken due to payments not being processed by the company system. The reason was not because of me not paying.Also during the repossession there was a breach of peace. I was threatened with more fees by the driver and he disconnected my car battery. The driver also may have damaged the car as he towed the car from the wrong end as it is a forward wheel drive. Furthermore, the contract agreed by me and Ally was violated as well. According to law this repossession was illegal conducted.

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 2022-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 report agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX  account XXXXT # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, # XXXX XXXX XXXX  # XXXX 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 report 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 non-monetary relief
Consumer complaint received 2021-10-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
SunTrust denied a deposit from my XXXX federal account in the amount of XXXX. This deposit was made in order to cover a XXXX charge that was pending. SunTrust denied the deposit, and charged me XXXX overdraft fee for the XXXX charge. I later learned that they were having online banking issues due to the merger with BB & T. I called customer service multiple times and no one would help. I was transferred to a supervisor who hung up on me. I should not have to pay for their system errors. If they has accepted my XXXX deposit there would have never been an overdraft fee. I now have two XXXX overdraft fees, leaving my account XXXX cent. I have been a customer for XXXX plus years, and this is what they do to their loyal customers. This is systematic Classism! I am a single mom working 3 jobs just to care for my family 's " basic needs and they can get away with stealing my money. My daughter needs XXXX, but I'm sure no-one cares, that XXXX SunTrust stole could pay for it. We obviously are not rich enough for anyone to care.

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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed for {$400.00} on XX/XX/XXXX. I saw this when chase sent me a message that my account was lower than {$100.00}. I checked the app and {$400.00} was missing and sent to a random person. I called customer service and they were extremely rude. People hung up on me and told me I made this charge based on logging into my account. The next few days I see a charge of {$1000.00} as well as a check my job gave me reversed. I called several times and no one is helping me at all to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: RI
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:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX   ).  Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had   XXXX   re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed to pay in full " settlement '' which I did. Called multiple times regarding this And was explained it will be taken off my credit in  one month, it 's been 3-4 mo nths

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: FL
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:
In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Radius global solutions is trying to collect incorrect account balance and purposely trying to damage credit to make money from XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Fairway Independent Mortgage Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Promissory note was sent to the company and accepted ... never returned, the XXXX XXXX XXXX XXXX  is a third party, I have no bilateral contract with XXXX XXXX XXXX XXXX, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of XXXX XXXX XXXX XXXX, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TX
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:
As of today XX/XX/31 Equifax closed their investigation into my credit report. This did nothing. My credit score shows XXXX. Ive had a credit card for over 10 years, a car loan, utility payments, rent payments, etc. Equifax has refused to fix this problem for the past 4 months. XXXX and XXXX show my credit score is over XXXX, yet Equifax shows my credit is nonexistent.

Company response to consumer: Closed with explanation