BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello to whom it may concern. 

I have been in contact with XXXX  since XX/XX/2019 disputing a negative account and collections account they have failed to provide verifiable proof for. The accounts I disputed have not been verified since then under the FCRA and they have not been able to send verifiable proof after multiple letters I have sent. 

The process of letters sent and received are as follows : 1. Sent first letter to XXXX XX/XX/2019 2. Received a letter from XXXX XX/XX/2019 and XX/XX/2019 3. Sent next letter to XXXX   XX/XX/2019 4. Received a letter from XXXX XX/XX/2019 5. Received a letter from XXXX XX/XX/2019 6. Sent next letter XX/XX/2019 7. Received a letter from XXXX XX/XX/2019 8. Sent next letter XX/XX/2019 9. Received a letter form XXXX XX/XX/2019 10. Contacted CFPB today XX/XX/2019 Every time I have received a letter back from XXXX they have failed to provide me with any copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified. They have also failed to a investigation into my dispute. 

*NOTE* I have attached the documents of every letter sent and received to XXXX. I have also included, on the last page of the pdf, XXXX  deleted the accounts I have disputed with XXXX. XXXX have followed the FCRA and deleted all unverified accounts and XXXX should do the same. Midland Funding has failed to verify this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2021-04-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A person pretending to be from the power company said i was overdue and power would be shut off within the hour on XX/XX/2021. Method for quickest transaction possible was a money app provided by my online banking app. Transaction was completed, power remained on, but no credit to my account. My bank wouldn't even file a report due to the XXXX XXXX method of payment they provided access to from their app.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
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 Account 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 ( XXXX XXXX BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-12-01
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:
Please be advised, Ive tried explaining to XXXX XXXX XXXX and Experian. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX  acct # 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 2022-11-02
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 my payment was due for Regional Finance located at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. So i called to see if i could pay it on the XXXX they said yes. So i stated that if could pay earlier i would call them to give them my debit information. So effectively i called them on the XXXX and gave them the debit information and the payment was made that day. than on the XXXX my payment was withdrawn again. I called to see what happened, they apologized, i called on a Saturday and XXXX answered me i asked her what happen why the withdraw my payment again if i had made it on the XXXX. She said she didn't do the transaction and she blamed the people that do the transactions and dont write notes stating that payments are given that this always happens. so on the following Monday i called them and asked to talk to XXXX the person that did my loan. I told her what happened she started talking to me really mad she wouldnt let me talk, she even told me that my payment was on auto pay thats why it was debited. until i told her real serious, wait XXXX can you listen to me? thats when she let me talk. i told her my payment was not on auto pay if it was on the XXXX it would of been debited from my account and she said well yes youre right its our mistake i can refund that money in 15 day to your account i told her that XXXX told me in 10 days who do i believe? she said im saying XXXX for if theres any problems, and i told her ok another problem because of that transaction my account went to negative - {$230.00}. She answered me all mad again and was yelling at me the whole time that she could not do nothing about that but she could refund my money that was debited from my acount only. I told her really mad : stay with my stupid money for the month of XXXX. I told her XXXX said that its yalls fault that you dont put notes that she is tired of telling you guys and you guys dont listen. so she said, so XXXX said that? and i told her yes, and she said i will fix that with her. So i was worried about her retaliating against XXXX for that, i dont know if she got suspended or not or even worst fired because of this horrible person XXXX XXXX who is the XXXX. I called corporate like 3 times or more i dont recall and they never answered me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was trying to access my account online but it kept giving me error message, so I call bank of America to let them know what's going on after I with XXXX employees and verified by all of them I'm pretty irritated, I ask XXXX was the name, is it necessary to go through all of this, all I wanted to do was get into my account online. 
She continues to ask questions and says I can't verify you, I asked why, she answers for security reasons I'm not able to tell you. I said let me speak to her supervisor and when the supervisor gets on the phone she tells me that my account has been blocked because she was not able to verify me and in order to get it unlocked I have to go into the bank to get verified. I asked her if she couldn't block it since she verified me too she said no she wasn't able to do that I told her that's a lie she says I am not lying so she's straight lied to me. Why do they have the ability to block accounts and when they get mad it's revenge for them to do that, they're not doing it for security reasons because if they were doing it for security reasons and I would have gotten phone calls letting me know that somebody's trying to get into my account but that is not what happens not at Bank of America

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 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
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 Account # 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-09-13
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Am sending in this complaint to get my name on record immediately. I am not at home. Saw your bulletin reference Wells Fargo. My own divorce counsel ( which I allege was bought by my ex & corresponding with him during our divorce ) stated on my divorce trial date that he chose not to believe my adamant statement that I never signed a {$200000.00} ( or {$200000.00} ) re-fi with Wells Fargo in XXXX. Due to his refusal I walked away with no proceeds being mandated to be distributed to me at the divorce trial. I did call Wells Fargo somewhere during XXXX knowing all the names of people my ex dealt with and the most important individual was transferred to another NJ branch XXXX This individual ( a woman ) called the house and asked for spouse and sounded highly scared. When I said he wasnt home, she hung up on me. I called the branch she was moved to. I was informed my signature was on a notarized document so I requested Wells Fargo to send me a copy. They agreed but I never received said copy. My ex did a number of highly illegal actions using my personal data with many of them. Mostly all was done via cybercrime when I discovered he had his IT company put a portal from my desktop at home into his laptop at his company. We were divorced on XX/XX/XXXX but I have enough documentation to support my allegation what Wells Fargo did in collusion with my ex husband. I gave up years ago after discovering so much identity theft he had done over 10 years ( and is still doing ) that has had me living in poverty. With no family and losing all friends due to his abuse, I had no option but to stop trying for justice. I discovered all the high end players involved, discovered his heavy gaslighting of my character over the years and decided there was no way I could ever go up against Wells Fargo plus the other serious issues he had done relative to HUD homes and every car I bought. When I saw this big penalty lodged against Wells Fargo, I thought maybe the government would finally give me a voice. To reiterate, I have all documentation

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 2023-01-17
Company: Paramount GR Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told this company I am not paying this debt due to predatory loan practices as well as requested a hard copy of my loan application and what they used to verify my income. They call me several times a day and on weekends early mornings and after XXXX  at night. The contract I entered was broken and they refused my request to stop payment at the time of installation as product was not installed properly or completed. Now they call us everyday multiple times even when I answer and repeatedly tell them the same thing. This has been happening for months now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: NC
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:
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
This complaint is being sent to notify CHASE Card to cease communication concerning the collection of any debts. The company is furnishing information to credit reporting agencies known as, XXXX XXXX, XXXX, and XXXX, without proper authority or consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. 

The company failed to provide me with disclosures to opt out before disclosing any of my personal financial information to credit reporting agencies. As a result, information that has been disclosed to third parties has breached my privacy and damaged my credit rating, which has directly affected my access to credit for personal, family, and household purposes. 

I have been extremely violated. And I am exercising my rights rights under the Gramm Leach Bliley Act as well as the Fair Debt Collection Practices Act. Despite any " customer agreement '' it is the responsibility of the company to understand and respect the rights of consumers which have been granted by Congress and the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
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 sent letters to all three burrow and updated my Information and to remove personal information that I don't want on my Credit report. According to the fair Credit act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802 No financial institutions is not suppose to share my Information to any third party people. 

This is a clear violation of my Federal protected consumer rights!

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXX/XX/2022.

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