BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited {$1800.00} in the XXXX ATM of Bank of America. XXXX XXXX branch, XXXX XXXX, New Jersey. 

But unfortunately it was more than XXXX bills and because of that machine stuck after accepting my money. 

ATM on the spot gave me {$300.00} deposit and I was still missing {$1500.00} and describe in the receipt that call to XXXX. 

Next day I call to the number mentioned above and claim for my missing deposit of {$1500.00}. But the customer care representative miscalculated claim amount and she put just {$300.00} instead of {$1500.00}. 

So on XXXX XXXX I got my claim number and temperory credit amount of {$300.00} On XXXX XXXX, I got the letter from BOA stating that the temperory credit of {$300.00} is your permanent credit. 

So I am still missing my {$1200.00} For that I called till date more than 6 times to BOA, but still not getting any answer. 

When I called on XXXX XXXX, I reopened my claim again ( re escalating the claim ). 

Even after 45 days completed and I called on XXXX XXXX still they dont have any answer. 

So I request you to please look into the matter seriously and please tell to BOA to give me my money back of {$1200.00}

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 monetary relief
Consumer complaint received 2023-03-10
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management claims I owe them a debt they collected from a XXXX XXXX XXXX, which they purchased on XX/XX/XXXX. They had called me in the spring of XXXX and I verbally told them to cease and desist. The calls stopped and in late XXXX of XXXX, I had received a letter from them which was a " pre-legal noice. '' In that letter it stated I had until XX/XX/XXXX to contact them to make payment arrangements or face possible legal action. This prompted me to file a complaint against them with the CFPB in XXXX, as they were threatening to file negative legal action against me. I had mentioned that I am in a financial hardship in my original complaint against them with the CFPB and they had responded stating that they would table it for 90 days. 

I then was advised by several friends of mine who are attorneys to send them a certified letter of a cease and desist notice, so I did. I then received a letter stating the debt is mine, though I have never heard of XXXX XXXX. See attached file. I know they got my cease and desist letter as I received the green signature card that was attached to be back of the envelop the cease and desist notice was enclosed in. Again see attached files. Their communications again violated my cease and desist order. I had also warned them in my letter that if the proceed with any legal action, I would go to the Indiana Supreme Court Disciplinary Board and file a complaint against the attorney representing Midland Credit Management, should they make the mistake to take legal action. I had three attorneys suspended before and will gladly do it again. I want Midland Credit Management and their subsidiary, Midland Funding not to contact me anymore, I would like them to consider this debt as uncollectible and take it off my credit report. I would also like to see a Federal investigation on the operations of Midland Credit Management, as they use questionable collections tactics and they do not have a good reputation from what I have read. The recent communications I received from Midland Credit Management along with a copy of the certified letter I sent to Midland Credit Management as well as the signed green return card, showing proof that Midland Credit Management received my cease and desist order are in the attached PDF files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-10
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Santander Consumer/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 and copies of any other documents regarding this matter, including denial letter. 
Reason On XX/XX/2022 I was mislead to believe that a credit application and contract was only going to be done by one bank ( not Santander Consumer ) and the car was new. It is my believe this contract was used as a red herring for them to say the second contract with the right bank ( XXXX XXXX XXXX XXXX ) which listed the car as new was an error. Inclose is a copy of both contracts from both banks and title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX Transunion and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX Transunion XXXX reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX Transunion and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.

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 2021-08-10
Company: EQUIFAX, INC.
State: GA
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:
Ive never done business with XXXX XXXX XXXX or entered into a signed contract with this company. The following account couldnt be verified by XXXX. Equifax needs to follow suit and delete this item from my report. FCRA requires all information being reported should be accurate, Please update my report and delete this fraudulent information from my report. Equifax also keeps verifying accounts with no proof. Ive sent in Police report and ftc reports. Its been months and they Keep saying XXXX XXXX is verified!! How is the account being verified. Im still waiting on a signed contract!! Nothing has come in the mail for Equifax or XXXX XXXX!! The account is fraudulent!! Again someone stole my identity and files taxes and opened multiple accounts in my name. Please block this information from my report. I will be getting an attorney, because Equifax has been investigating for months, I just received a letter dated XX/XX/21 asking for a police report. The police was sent via us mail and through an cfpb complaint. Whats the issue with this not. Please help me understand why Equifax is ignoring all of my legal paperwork being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 consumer rights to privacy and confidentiality under 15 USC 1581. 

XXXX XXXX # 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I received notice electronically via ( secured message ) from Chase Bank of a rule change to my credit card ( I have two through Chase ) agreements. The new rule includes a binding arbitration agreement. The only way to opt out is by hand written letter mail. I did not read the notice in time to hand write a note and mail. I believe Chase purposely did not allow for an electronic way to opt out knowing that most people would not have the time to hand write a note, buy a stamp and mail via snail mail with no proof of delivery that Chase could also deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: VA
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:
I sent notice to the US DEPT OF EDUCATION certified mail XXXX. They have signed for and received this notice. I am disappointed in them and their lack of effort to communicate with me. I have discovered that they have been RE-AGING the account ( s ) listed. I presented them with factual disputes of the inaccuracies and incompleteness of the information furnished on my consumer report. In Accordance with the FCRA, which is used to ensure accurate and complete information, I demand that these accounts are deleted and removed. They have reached their statute of limitations. These items were supposed to be removed as of XX/XX/XXXX. I discovered the discrepensices in their data by comparing my XXXX credit report against my XXXX. The US DEPT OF EDUCATION Is furnishing incomplete and inaccurate data and manipulating the information to benefit themselves and damage my character. I have attached the notice that was sent to them and I have included each of the exhibits used to determine why I am disputing this.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

XXXX XXXX Mail XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

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 2023-05-05
Company: Experian Information Solutions Inc.
State: MA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2017-02-07
Company: AMERICAN INTERNET MORTGAGE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are attempting to refinance our home. I retired recently so my income dropped substantially. But my wife and I both receive a pension from our previous employer. XXXX different companies have " approved '' our loan early in the process, and got us to shell out {$450.00} ( each time ) for appraisals and a rate lock fee. Then, much later in the process they tell us our incomes do not support the amount we are trying to borrow at that term and interest rate. It seems easy enough to make this determination right up front. It would save the consumer the {$450.00} and the grief of sharing all kinds of very personal financial information, including social security numbers, with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was included in bankruptcy and my wages are being garnished for it now.

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 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.

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 2017-04-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.

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