BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I joined XXXX XXXX XXXX to try to pay off my debt. They told me to stop paying my financial institutions the debt and to start to pay them so they could pay it off for me while they negotiated a possible decrease on the debt with the debtors. I had two court cases that they said they would represent me in and they never showed up to either case. I told them and they said they were sorry and that something was wrong on there end. They again didnt show up to my second court case for a second time. They lied to me and said they were going to be my attorney but never showed up for either court cases with my discover card case. When I told them to give me my money back that I had deposited into the account with them, they gave me back XXXX dollars, and kept over XXXX for lawyer fees when they never showed up. These guys are a rip off. No one do business with XXXXXXXX XXXX XXXX. They are XXXX  and will steal your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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/2020, I made an payment by phone for {$130.00} to be taken out of checking account. For Capital One Credit Card. Next statement I was shocked, Capital One took out {$4700.00}, on XXXX XXXX that was taken out of the checking account. Started calling Capital One on XXXX to dispute this transaction as unauthorized. XXXX called two times, XX/XX/XXXX called and XX/XX/XXXX called 6 times. XXXX called 2 times. sometimes Capital One rep would hang up on me. On XX/XX/2020 my bank sent a letter demanded Capital One return the funds. I received back an unsigned form letter, that states they will not return the funds. The bank has showed a 2 year track record of making {$130.00} payments. I have asked, then demanded that Capital One provide me and the bank with the audio recorded transaction. Capital One will not provide us that copy. 
On XXXX XXXX Capital One rep, XXXX personal ID # XXXX told me she had authorization to return the funds. When I called back and asked for her, because funds where not returned to the bank, no one could find this person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies XXXX XXXX and Early Warning Systems due to a recent denial in achieving a new bank account.

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

XXXX XXXX  Consumer ID XXXX Early Warnings Consumer ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XX/XX/XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-06-18
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: Old information reappears or never goes away

Complaint:
All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by XXXX  for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated XXXX that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. 10 years old.

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 2022-01-21
Company: CIG FINANCIAL LLC
State: AZ
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX ; I spoke with a representative of CIG financial, who held the lien on one of my vehicles I financed. The vehicle had GAP insurance on it and it was totaled in a vehicle accident. GAP insurance satisfied the balance due on the account but CIG Financial is still reporting to XXXX that I have a past due amount of {$1700.00} ; which was last reported on XX/XX/XXXX. 
On XX/XX/XXXX ; CIG Financial Insurance Administrator, XXXX XXXX, admitted in email correspondence that the GAP insurance check was sent to the wrong address and that they received the GAP insurance check ; that I needed to dispute how its reported directly with the credit bureau. The credit bureau told me that they only report what the creditor reports to them ; so they're both playing a proverbial tug-of-war with me. 

I have attached an email from the aforementioned, XXXX XXXX, regarding the GAP payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in addition to complain no. XXXX. I received a certified letter from Chase dated XX/XX/2022 that my loan is in default and have to pay them {$19000.00}. 
I tried to make my monthly payment like I promised on my first complain but was refused. 
I need tp pay them at least 14 payments worth almost {$15000.00}. They are really trying to get us out of our home. 
Please help us. 
Thank you and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Waypoint Resource Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX I received an alert from XXXX credit alert that an account was placed in collection by Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX , XXXX XXXX phone number XXXX XXXX. The amount of the debt was {$340.00} the original creditor name was XXXX XXXX XXXX. This company failed to notify or contact me pertaining to the debt to allow me the opportunity to dispute the debt, but instead reported to the credit bureau causing a negative impact on my credit score. This is the third company that tried to collect the debt for XXXX with each one sending the debt back to XXXX for validation. XXXX is attempting to charge for debt that I do not know they charge a month in advance for their services I was not at the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, moved out XX/XX/XXXX. XXXX was supposed to provide me service at my new address XXXX XXXX XXXX XXXX XXXX XXXX, but due to the fact that my daughter had already had service in the home already, they waited intill the day before the install date in XX/XX/XXXX to inform me that they could not install the service for me the day the connection was supposed to take place. XXXX is trying to charge for service that I did not receive. My XXXX account has always been paid up one time and there is no balance owed to 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 2020-06-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by XXXX  for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated XXXX that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. 10 years old.

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 2022-01-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
We have an unauthorized charge on our card. After numerous 2 hour hold times to get a rep, entering a dispute we receive a letter telling us the charge is valid. We have never done business with the merchant, don't know who they are, and never authorized the charge. We call the number on the card again, and after 45 min on hold they tell us we have to call the accounts security dept - another 2-hour hold and we hung up. 
Transaction Type Debit Transaction Description XXXX XXXX XXXX XXXX Fl  XXXX Date Cleared XX/XX/XXXX Amount - {$9.00} FI Reference Number XXXX Next issue : Suntrust has had a problem delivering our statements to our email since XX/XX/XXXX. After another 1 hour hold, the rep says they need to rebuild our profile. Now the statements are working, but they keep trying to charge us a late fee after they admitted the issue and refunded the original late fee of {$29.00}. We can't pay what we can't see and again are told we need to talk to account security - same as above 2 hours then we hang up. 
Transaction Type Debit Transaction Description Purchases {$1.00} XXXX XXXX {$0.00} XXXX Date Cleared XX/XX/XXXX Amount - {$1.00} FI Reference Number XXXX Needless to say, we have closed this account and moved to XXXX where our other business is well served. However, the above issues linger.

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 2019-12-26
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I included the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they continued collection activity before validating the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

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 2017-08-24
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX card in the amount of {$1300.00} that went to collections. I paid well over half of the amount with a debt collector, XXXX XXXX XXXX. It has changed hands to Forster Garbus and Garbus. Forster Garbus and Garbus is threatening me telling me that I owe them the original {$1300.00} when in fact I know that I made many payments to the previous debt collector- XXXX XXXX XXXX XXXX I have made many attempts at contacting Forster Garbus and Garbus after speaking with them originally in the first week of XX/XX/XXXX. The gentleman told me he would run the record from XXXX XXXX  XXXX to see that I paid half of this debt off and would contact me, however never contacted me again. They have threatened me that if I do not contact them and start paying by XX/XX/XXXX, I would owe the entire amount. Again, I can not get into contact with anyone. They have reported this as delinquent, which is not true. This is unjust and unfair-I would like this removed. 
Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: GOLDMAN SACHS BANK USA
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Apple card by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. Had this transaction Transaction date : XX/XX/2020 Merchant name : XXXX  XXXX XXXX XXXX  Disputed amount : {$740.00} Wich, I did not make nor authorized. This was credit back in the account, however months after charged again and now shows in my credit report as derogatory. I no longer have an apple phone and am unable to see statements online nor never received any mail regarding this. Apparently, the only way to view would be using an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 ), CITI CARDS CBNA ( XX/XX/2020 )

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 2022-07-25
Company: DISCOVER BANK
State: MS
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:
Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i made a complaint about my pnc credit card being assessed 1.51 interest. for XXXX cent underpayment. this is the only bank that will insist on it. now i am told someone closed the account. i am reporting this to the media and to oither regulatoryu aegncies. they have money to pay idiots to do nothing but not to give me my money back. and must insist on interest. i want to know who closed it and whythis greed and stupidity must stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2020-06-18
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
I decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}

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 2019-12-26
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt not mines. Police report filed. Cleared by XXXX. Somehow still in collections. Need it to be removed asap.

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 2020-06-18
Company: Westcreek Financial
State: TX
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:
A company named West Creek Financial is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted West Creek Financial directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.

Company response to consumer: Closed with explanation