BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving a collections from Truist Bank XXXX BB & T Bank regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from XXXX XXXX  XXXX XXXX ( XXXX  ) their files XXXX XXXX  and XXXX XXXX. 

I have requested the proof of debt which I received from XXXX  on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to XXXX explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from XXXX. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with XXXX  and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, 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 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fact, the origins of this Capital One account was open in connection with a consumer credit transaction on XX/XX/2018. This transaction involved XXXX XXXX XXXX. This transaction included a finance charge. This finance charge was in violation of 15 usc 1605. According to the law A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit B. 

Fact, the origin of this Capital One account was in connection with a consumer credit transaction that included a finance charge with XXXX XXXX XXXX. This consumer credit transaction was in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge, and according to the law the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. This contract did not include my insurance in my finance charge. The fact of no insurance is shown in Exhibit A and Exhibit B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer 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 make 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 to any consumer reporting agency of 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 explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a account with XXXX XXXX which was opened XX/XX/2012 the account was paid off XX/XX/2012 XXXX  XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

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 2021-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2021-07-28
Company: World Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Car is payed off with no XXXX  balance left but on my Credi report its still showing a balance please update as completely XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Self Financial Inc.
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, I have the right to privacy.

15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After having an account with  Ocwen  for  XXXX  years, I got laid off from work, and contacted them to see if there was a program that I would qualify for till I got back to work. I have never been 30 days or more past due in the entire time.  Ocwen  indicated there was a program, and had me fill out an application and provide supporting documentation, which I did. A relationship  XXXX   (   XXXX l ) contacted me and told me I was approved, and sent me the agreement which I signed, it allowed for reduced payments for 12 months, and I would be reported in forbearance only, not past due or late, because I specifically asked to make sure. I was assured if I was not in arrears at the time of the agreement I would not be reported past due or late, which I confirmed in the agreement. It states they would only report me past due if I was past due at the time of the agreement and only till it was no longer past due ( till I got it caught up ) since I was never past due it was not an issue. But I got notified by the credit bureau 's they ARE reporting me past due which is in violation of the agreement. I contacted the Relationship  Manager at Ocwen  (  XXXX   )  and she agree 's, she sent in a corrections and the servicing department for some reason likes i 'm past due and refused to reverse the credit reporting error. Today I called in and spoke with another   XXXX   XXXX     (  XXXX  ) she she also agrees they are reporting it in error.  XXXX  sent in another request to correct the account with the bureau 's today, but I thought I better file this report to cover myself and maybe you could help resolve this issue, if they are doing it to me, they  may  be doing it to a myriad of other customers. Please let me know what to do? I have attached a copy of their letter and my credit report, as you can see I have never been late or past due on anything. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2023-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the date of XX/XX/2023, my wife and I visited JP Morgan Chase Bank N.A. ( XXXX ) Branch, located at XXXX XXXX, where we engaged in a transaction with XXXX XXXX XXXX, who facilitated the opening of a Business account, Account # XXXX, for our company, XXXX XXXX XXXX XXXX, doing business as XXXX, XXXX. 

During this visit, we deposited 32 checks amounting to {$79000.00} into the account. XXXX XXXX handled the checks and no concerns were raised regarding the number of checks being deposited to open the account. 

Regrettably, it appears that XXXX XXXX inadvertently omitted to include the second page of the Doing Business As ( DBA ) document, which contained our fictitious name, XXXX. Consequently, Chase 's fraud department red-flagged the transaction due to the checks being written under both XXXX and XXXX XXXX XXXX XXXX XXXX with the majority under the latter. 

This situation resulted in the suspension and subsequent cancellation of our account without any explanation from Chase, leaving us without access to our funds. Multiple attempts to resolve the matter by contacting the branch have proven futile, with representatives stating that the checks have already been cashed by Chase. Despite this acknowledgment, they have refused to allow us access to our funds and offered no reason for the account cancellation. 

For over a month, our attempts to gain resolution and retrieve our funds have been met with unresponsiveness from Chase. They have even suggested that the money may be sent to the California unclaimed property fund. Moreover, Chase has expressed difficulty in verifying the legitimacy of the checks with the issuing institutions, requesting a list of phone numbers for verification purposes. Although we promptly provided the requested list, Chase maintains that they can not verify the legitimacy of the contact information. 

This inaction and negligence by Chase have had severe consequences for our small company, as we now face challenges in meeting our financial obligations, including paying our employees. Despite all the checks having been collected and cleared by Chase long ago, they have not provided a timeframe for resolution. 

In light of the circumstances, we demand that Chase promptly rectify this matter, grant access to our funds, and provide a clear explanation for the account cancellation. Our company 's financial stability and ability to fulfill our obligations are at stake, and we expect the due diligence and professionalism expected of a reputable financial institution. Failure to address this situation satisfactorily will compel us to seek legal remedies to safeguard our rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX  XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX

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 2023-07-29
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my REI Credit Card bill of {$370.00} to Elan Financial on XX/XX/2022. The REI credit card account was then taken over by XXXX XXXX. XXXX XXXX began sending me a bill saying that I never paid my bill. Ive made calls to Elan Financial and theyve stated that they sent me a refund check that I never cashed and their records show the same. They refuse to reissue a check or better yet, transfer the {$370.00}. I have spent XXXX hours trying to resolve issue with Elan and XXXX. I have cooperated with ELAN and opened investigations and sent all necessary documents and they still refuse to refund my money that they state that they are holding and there is nothing they can do. Both will not resolve the issue. Elan has my money and REFUSES to cooperateI am beside myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: Brown’s New Credit Bureau Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Past due medical bill from XXXX XXXX XXXX XXXX was purchased by Browns Collection Service out of XXXX Arizona with my original balance being {$1800.00}. Browns collection service has been charging me interest that was not part of my original contract with the hospital. The last balance I received from Browns Collection Service was {$3100.00}. There has been at least {$1300.00} that I have been charged in interest I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, Experian, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : 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 These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.

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 2023-07-29
Company: TD BANK US HOLDING 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:
I have spoken with XXXX and td bank a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: CCF Intermediate Holdings LLC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I receive a XXXX message to repay loan from Easy money loan app amount of XXXX which i never apply they mention applied date XX/XX/2023 ( 7 days tenure ) repayment date XX/XX/2023. I don't receive a E-mail or Text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
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:
Beginning in 2022, I noticed inaccuracies on my credit report with Experian pertaining to various accounts, which I believe have negatively impacted my credit score. I promptly took the necessary steps and submitted a formal dispute to Experian. My dispute requested the re-evaluation and correction of these inaccuracies under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681.

Despite my actions and subsequent communication, Experian has failed to adequately rectify the inaccuracies. No significant changes have been made to the accounts in question, and the errors remain on my credit report.

This has not only caused me financial harm but also undue stress as these errors continue to unjustly affect my creditworthiness. The neglect to remedy these inaccuracies is, I believe, a violation of the FCRA, and I have been compelled to take further legal steps.

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