BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In ordinance with the Fair Crediting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states thatsi have the right to privacy. Under 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was defrauded by two clients. of Bank of America and Bank of America knew or should have known that the accounts were fraudulent. I sent several XXXX dollars by Wire transfer and XXXX XXXX for the purchase of Medical examination gloves to their clients but after they received the payments, they stopped answering my emails and XXXX XXXX messages. I reported the matter to XXXX XXXX XXXX XXXX and I also called the FBI who referred me to the XXXX Police. The XXXX Police filed a report for Fraud and upon investigation, they informed me that the Bank Accounts at Bank of America were fraudulent and they used other people 's identity to open the accounts, but before I made the wire transfers they told me that the Accounts are in the name of the company XXXX XXXX, XXXX and they sent me copy of their instructions. Since the company purported to operate from XXXX and they sent me an invoice with their address, I felt comfortable paying them at Bank of America since it was a local bank. Later, I hired an XXXX Private Detective and they reported back to me. that there is no such company as XXXX XXXX  registered in XXXX and the address is false. There is no such address. Later, I had a call from XXXX XXXX XXXX to come to the Police Station and she informed me at that time that since the accounts are fraudulent, it would not be wise for them to arrest the person whose identity was stolen to open the accounts. They have suffered enough, but I should contact Bank of America and request a WIRE TRANSFER REVERSAL I immediately contacted Bank of America RISK department, but they told me since I am not a client of Bank of America, I should ask the sending Bank to start the claim. I immediately contacted the sending bank XXXX in XXXX, and they sent several emails to Bank of America but to this date, they have not received any response. I urge you to look into this matter at your earliest possible convenience. Sub-joined are the supporting documents. Sincerely XXXX XXXX How can your complaint be satisfactorily addressed? 
Bank of America should return the payments i made to their fraudulent client as they should have known that the accounts were fraudulent Print

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 2020-11-19
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: Account information incorrect

Complaint:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score.

Please investigate about my case.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: CO
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 attempted to dispute multiple items on my credit reports, Experian, XXXX, & XXXX for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX and Attorney general 's office with my complaints.

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 2023-06-11
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX Eastern, I received 3 emails regarding information that had been updated on 3 Synchrony accounts ( American Eagle, Score Rewards/Dick 's Sporting Goods and Verizon ) XXXX These emails indicated my phone number had been updated on these 3 accounts. I did not make any account information changes. Around XXXX XXXX Eastern, I called customer service for American Eagle card and spoke to an offshore representative named XXXX ( Extension XXXX ). He indicated there was not a phone number on file for my AE account and added the number provided. He also checked the other 2 Synchrony accounts listed and informed me there was not a phone number listed on either account. He also added this number. There have not been any suspicious transactions on these accounts. He was unable to provide any information about the emails other than they may be a phishing attempt. He was unable to confirm the email from which they were sent ( XXXX ). 

I informed XXXX that when attempting to edit personal information via my AE credit card account profile, it was prompting a one-time passcode be sent to one of three phone numbers ending in XXXX, XXXX or XXXX, none of which are my phone numbers. He was unable to provide an explanation and transferred the call to another department, where I was unable to speak with a representatives. I have since noticed the Score Rewards and Verizon accounts are prompting passcodes to be sent to these same numbers when attempting to edit personal information via those accounts. I am concerned about privacy and information being compromised. Synchrony needs to provide an explanation about why 3 accounts are prompting passcodes to be sent to number which are not mine.

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 2023-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-15
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See attachment! 

Subject : Immediate Removal of Nonpublic Personal Financial Information NOTICE TO CEO, XXXX & XXXX XXXX I am writing to demand the immediate removal of my nonpublic personal financial information from my credit report, as it has been accessed and reported without my consent or lawful authority. This unauthorized action violates my privacy rights and breaches the XXXX XXXX. 
I hereby request that Amerassist AR Solutions take the following actions within 15 days : 1. Delete all records of my nonpublic personal financial information from my credit report.

2. Provide an updated credit report reflecting the removal.

Failure to comply will lead me to file complaints with the Federal Trade Commission ( FTC ) and [ Your State ] Attorney General for unauthorized access, fraud, and violations of the Gramm-Leach-Bliley Act. 

Please confirm your actions and provide an updated credit report showing the required changes to my records. 
Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland funding has filed a Jude gene that to garnish my wages again without notifying me. They did this in XX/XX/2020 and it is the same agency/lawyer so they do have correct address information to serve me. They purposely sent it to the wrong address so that I would not have the information to show up to my court date. I disputed information with them and gave them my correct contact information. It is embarrassing that I have to keep going through this and explaining to my employer and is causing a threat to my continued employment. I feel that this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: BARCLAYS BANK DELAWARE
State: MN
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 is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BARCLAYS BANK DELAWARE Inquired on XX/XX/2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

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 2023-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023. I disputed an item on my credit report regarding a debt that was reported by Portfolio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Portfolio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card account with Navy Federal Credit Union that is currently closed. I sent instructions along with a tender of payment of a negotiable instrument for the entire balance to be paid. Navy Federal sent the payment back and stated that I was still responsible for the debt. I sent in the payment again for performance our contract and stated that the credit the account at the sight of the instrument and Navy Federal Credit Union has yet to accept my payment. At this point this is a breach of fiduciary duties and a deprivation of my rights to make payment. I want my account reopened and I will be making my payments on this account from here on out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments I was not made aware that I was late. I was not contacted or informed of this information.

15 U.S. Code 6802b I never opted in to have my information released. I was never provided an option to opt out.

15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management is reporting without validating the debt and showing this debt is owed to them. This is a third party making money to ruin people 's credit reports. I have not knowledge of this and I want this deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a secured card. The limit on the card was {$400.00}. It is impossible for me to owe the amount of debt that they are attempting to collect. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Credit Karma, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Denefits LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation