BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by XXXX  XXXX  collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked XXXX  XXXX  collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX  XXXX   XXXX  as well as the FCC and FTC.Today i received a notification that Portfolio Recovery has reported a negative account from XXXX  XXXX  for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once Portfolio Recovery purchased the account from capital one, they voided any payment agreement in place as XXXX  XXXX has now been paid in full. I do not have a card account with portfolio recovery and they should not be contacting me to collect any debt that i do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I closed my account ( ending in XXXX ) on XX/XX/2023. I received a notification in the mail dated XX/XX/2023 that my account was overdrawn in the amount of {$12.00}. How is it that Chase has approved charges to an account that was closed a month prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: GOLDMAN SACHS BANK USA
State: TN
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}

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 2022-12-15
Company: Experian Information Solutions 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:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/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 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 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 explanation
Consumer complaint received 2021-06-09
Company: Alum Financial, LLC
State: CO
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:
Alum Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX | Phone : ( XXXX ) XXXX Contacted me about loan forgiveness through the XXXX XXXX XXXX loan forgiveness program. They accurately told me my loan information unprompted and represented themselves as a company representing the United states department of education. They told me that after 8-9 months of payments ( {$150.00} ) under their loan forgiveness program in coordination with the department of education that nearly all or all of my federal loans would be forgiven. 

Because they had my information it seemed as though it was legitimate and they said it is first come first serve so it must be done promptly. They rushed me through the sign up process and began a consolidation on my loan ( XX/XX/XXXX ). After I got off the phone, it began to seem it was too good to be true. I looked at the contract and indeed there was no mention of loan forgiveness after 8-9 months. They are a company not affiliated with the Dept. of Education. The information was very deceiving and designed to rush me through the process. I found others online sharing the same story who ended up saddled with fees associated with the company that ended in no loan forgiveness as far back as XXXX. So it was not a time-sensitive matter that needed to be addressed immediately. 

I promptly contacted my loan provider and Dept. of education. It seems it is basically a scam to rope you into services. 

The next day ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX and cancelled the consolidation that Alum Financial had already submitted. I then contacted Alum Financial who tried to convince me that I still should use their services. I declined and said I want to cancel my contract that rushed me through the process. They threatened that I would still be obligated to make the payments I agreed to and if I did not they would send me to collections. No money has been exchanged, no services were provided. Their practices are predatory and not at all clear and apparent.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have spoken to multiple people at different times regarding my credit reporting during my mortgage modification with US Bank. I was told this would not effect my credit negatively and I have been reported as 30 days and 60 days past due. When I attempted to fix the situation, I was told there was nothing they could do about it now as it was already done. During the process, I was told at least 3 times it would be removed if it effected my credit or there would be no effect at all. I could lose my job because of the negative impact this is having as I work for a financial institution. Their calls are recorded and I would like someone to fix this as soon as possible as this is just wrong. I was lied to and told this would be okay when it is far from okay. Please help.

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 2021-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2021 around XXXX o'clock in morning my vehicle was repossessed by XXXX XXXX XXXX. Credit acceptance violated my consumer rights as federal protected consumer I never discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under. They never given consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I never gave explanation of how the consumer can exercise that nondisclosure they did not follow the law. Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I fear for my life disclosing my personal information to nonaffiliated third party

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 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This WAKEFIELD & ASSOCIATES account number XXXX that has a balance of {$160.00}, opened on XXXX XXXX is not belong to me. I don't have an idea why I got this collection. This is FRAUD someone used my identity for their own benefits. I'm done filing an FTC affidavit. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX I sent in a dispute letter regarding inaccurate and unverified accounts on my consumer credit report and still I have yet to receive any response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. To my knowledge according to federal law, it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and XXXX have got into the wrong hands. My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf plus these accounts are inaccurate and unverified. I am willing to settle this matter without any admitted liability. I am demanding deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2023-02-20
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/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
Consumer complaint received 2018-09-07
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer ( attached ) from XXXX Bank about opening a new checking account with them. The offer required me to open any checking account between XX/XX/XXXX and XX/XX/XXXX and complete 10 debit card purchases within 60 days of account opening to receive {$150.00}. I opened a simple checking account in a branch on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX. My account was a new account and neither I nor any member of my household had any account with XXXX bank when this account was opened. The terms of the offer stated that once the requirements have been fulfilled, the {$150.00} will be paid in 4 to 6 weeks. Around 8 weeks have passed since I made those 10 debit purchases, but the {$150.00} was never paid out and contacting the customer service led me nowhere.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I live in NJ and have a Bank of America account ending in XXXX. Someone walked into a Bank of America branch in XXXX, Texas with a XXXX XXXX check belonging to someone else, presented said check for cash to the teller as they wrote my name on it and had it endorsed with my Social Security Number. No check was ever deposited to my BofA account, but BofA made a charge back to my account for {$800.00} when it discovered this forged XXXX XXXX check was a closed account. The date of the check is XX/XX/2023, it was presented for cash on XX/XX/2023 and I was notified by BofA on XX/XX/2023. I reported the fraud to BofA the same day. 

To date, BofA refuses to credit my account back {$800.00}, and the bank also refuses to tell me what branch in XXXX, Texas this occurred in so I can file a police report. Someone not only managed to steal money from my account using another 's forged check, but they used my SSN as an endorsement. BofA said this will take 90 days. That is ridiculous. 

My claim with BofA is XXXX. Please assist

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 2022-10-31
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 o XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX FCU XXXX Balance : {$580.00} o XXXX XXXX Balance : {$100.00} o XXXX FCU XXXX Balance XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXX*THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covidXXXX  XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.

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 2023-01-17
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called multiple times to check on the status of my refund. I requested back in XXXX for a refund of {$10000.00}. I was told it would take 8-10 weeks. 

After 8 weeks, I called back and was told it was still processing. 

As of XX/XX/23 I still have not received my refund from Fedloan Servicing and have had zero communication initiated by them. I have had to be the one requesting any updates or information.

Company response to consumer: Closed with explanation