BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX Bank of America sent me a notice that they transferred {$460.00} from my account ending in XXXX and applied it to a negative balance I have in an account ending in XXXX. Problem is, I don't have another account with BOA. I discovered that my partner, whom I added to my account, making it a joint account, is the owner of that XXXX  account ending in XXXX with BOA. My partner was charged fees amount to that total {$460.00}. Is it legal for BOA to access my account, ending in XXXX a joint account, because my partner 's name is on the account without my approval. This is my money. I knew nothing of that other account. I think that's encroachment on the bank 's part.

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 2020-11-06
Company: Experian Information Solutions 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:
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
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 2023-11-15
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This creditor has reapplied this debt to my XXXX profile on XX/XX/2023 despite it being previously removed from all XXXX bureaus by the previous company. 

It has since been bought by a new company XXXX Spring Oaks Capital LLC, ) in which once acquired took it upon themselves to reapply this item explicitly to my XXXX credit report ; which is most widely used. 

This action on their part has created obstacles for me in obtaining the credit essential for my daily needs in addition to experiencing higher interest rates and has recently caused a significant drop in my credit score, which was their dire intent. 

The resolve I would like to request for is the removal of this item from my credit report ( s ) so that my report can return to its original status before this circumstance and for the restoration of the lost credit score points due to their recent actions. 

Thank you for your time and attention to this matter. 

XXXX XXXX Please see the below item description reporting on XXXX Spring Oaks Capital LLC, XXXX XXXX XXXX XXXX, VA XXXX XXXX Re : Collection/Chargeoff Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TN
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 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

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 2023-06-15
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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Both XXXX XXXX XXXX XXXX & Chase received inquiries to open up a credit card in my name. However this was a fraudulent charge as I did not do this. I called both banks to file a complaint and they are processing that internally. 

Only the Chase fraud hit my XXXX account. I have already reached out to XXXX to file a complaint there too. Weirdly enough I did receive a XXXX XXXX XXXX Debit Card but it didn't go on my credit report. Providing applicable reference/ID # s below Chase Reference Number - XXXX XXXX XXXX XXXX Debit Card - XXXX XXXX XXXX XXXX To be clear, I do not want to these credit cards opened up in my name Thank you for the assistance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In XXXX of XXXX my identity was stolen. The Mortgage Company reversed payments to my Bank without my knowledge. The bank who I will deal with separately contacted My mortgage company and told them to reverse 12 payments. Thank God they only reversed 4. We sent proof to the mortgage company showing that we have never missed or been late on a payment. We have tried to make up the payments that were reversed. But with all the fees and late charges we don't have the money. Problem is all the late and service fees. They have also further damaged my credit rating by reporting me in default. 
We have contacted The mortgage company many times. Each time a new representative and no satisfactory response.

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 2022-08-18
Company: AMERISAVE MORTGAGE CORPORATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This has been my second attempt to get my house refinanced. This time the process took over 2 months. Every week we were all done and then they would come up with more nit picky stuff to try to find a reason to deny it. Then they denied my credit simply because they could not handle what I said or the truth to what they are really doing here. Their decision was not based on any of my qualifications, they discriminated on the fact I hurt their feelings. The words I say do not disqualify me from a mortgage, if they did not want to hear them then they should do their job in a timely manner. 

XXXX XXXX even threatened to try to get me fired from my employer and report me to the local and federal authorities. So they literally tried to blackmail me to keep me from trying to contact them again. Because they could not handle words, or truth rather. IT takes a lot more thick skin than that to function in this world and people need to understand that. Blackmail is not the way to get anywhere. If they push that envelope further I will retain a lawyer to further that action as that will not be tolerated at all.We both can play the game of who knows the most words here. 

First it was explanation letters and proof of statements for what was already on our credit reports. That was detailed in our credit reports and when we questioned it, they were suddenly able to handle it on a phone call with the credit bureaus, but we had to stay on hold for hours to make that call happen. Then week after week it was either a new processor or new requests for useless information. They are so unorganized it is not even funny. We have wasted so much time on this process. 

Then after the final request for me to waste more of my time just so that they can make the mortgage itself pretty enough for them to sell for profit, and provide them with papers that have no bearing on the mortgage itself. I was already qualified and everything was submitted that they needed to see that. 

The credit denial letter is attached. The appraisal for the property is as well, so that you can see that teh reason for the denial is completely fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
every sense the account was opened for months ago there has been fraudulent charges on this account on a monthly basis taking out of my celsius security check now they have blocked by account where i can no longer use my cards for a year they will not allow me access to the app to the website and they barely talk to me on the phone i have probably called at least a hundred times and i get nothing but redundant answers that solve nothing all i want to do is view my account i didn't make the fraudulent charges their accusing me of such and i do not appreciate that in the least nasagza there keep in

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-07-12
Company: AMERICAN EXPRESS COMPANY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, AMEX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is a XXXX addendum to my complaint against Ally. So to date, Ally has reported to the credit bureaus a voluntary repossession and has noted incorrect lateness on all my credit reports. In addition to that and the most concerning is that I received a letter from Ally that states that I told them I have a lawyer so they will not be submitting any information to me and for me to provide the name of my lawyer so the information can be released to my lawyer and I had a timeline to do so before they would contact me. I just received this letter on Thursday, XX/XX/XXXX. Please see letter attached. So I called Ally and I spoke with someone and advised that I do not have a lawyer and I need the information of the sale sent to me so that I can rectify the remaining balance. He said he would take my information and record it. I am concerned that with all the incorrect information on this sub-prime loan that I will not get a fair shot at paying the balance. Currently on my credit report they have two balances listed which is concerning. 1 for {$880.00} late amount and a 2 a total balance of {$25000.00} for the loan. These are clear, however I am not clear on what these are and Ally representatives are not providing any information.

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 2021-03-02
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked this company for a debt validation letter, which I have never received. They call me 4 times a day EVERY DAY. They call my work phone twice a day and my cell phone twice a day. They call from a Maryland number but as far as I know, they are not located in Maryland. I have asked them to stop calling my work. This is a violation and they continue to do it. They are harassing me even after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: AES/PHEAA
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: Account status incorrect

Complaint:
The creditor AES has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, XXXX refuses to correct the erroneous reporting. I have provided documentation to XXXX from the creditor, and AES has confirmed that they sent the proper information for XXXX to change the account status from closed to open and to update the actual balance for each account, but XXXX refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted XXXX directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. XXXX is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-05-05
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It appears the promissory note I signed in XXXX is in violation of the Department of Education 's rules for the repayment of XXXX loans, as it seems to state the " repayment of the loan is until I die '', not the DOE rule in XXXX which was the XXXX was scheduled to close in 10 years XXXX. 

In XXXX the DOE 's rule was the XXXX loan was to be closed in 10 years which was XXXX. If the promissory note contradicts the DOE rule for repayment of the XXXX loan then the promissory note is illegal and therefore null and void. Close my XXXX loan now! 

Instead the loan was transferred from XXXX to Nelnet and XXXX additional nonexistent loans were added to my XXXX. 

The current DOE 's rule is : All borrowers with loans held by XXXX ( Direct Loans and federally held XXXX Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans, again not until I die, as Nelnet has expressed in print. My consolidated loan date was XXXX at which time the DOE XXXX close rule was 10 years XXXX. 

My XXXX  loans are not " pay until you die '' in accordance with the DOE XXXX repayment rules, as Nelnet put in print as a response to a CFPB complaint I filed, and pointed to the promissory note I signed. The XXXX loans are governed by the rules of the Department of Education. As Nelnet stated their role in XXXX  repayment is not as a collection agency and therefore it seems to have no reason to be reporting old XXXX  loans that were scheduled to close in XXXX, which should never of been transferred to Nelnet from XXXX to the National Credit Bureaus and are not " pay until you die '' It appears the promissory note I signed in XXXX, " pay until I die '' is in contradiction to the DOE rules that govern the repayment of XXXX Loans and therefore is null and void! 

Close my loan now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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