BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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 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 2023-07-09
Company: DISCOVER BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am have a XXXX  XXXX XXXX credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my XXXX  XXXX XXXX to discover bank, someone created discover bank account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to XXXX  XXXX XXXX now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now XXXX  XXXX XXXX is not helpful at all. When XXXX  XXXX XXXX need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted XXXX  XXXX XXXX XXXX right away when it was just in processing state [ if XXXX  XXXX XXXX have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so XXXX  XXXX XXXX is the only XXXX who need to resolve this as i am XXXX  XXXX XXXX customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my XXXX  XXXX XXXX credit card cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Equifax is reporting XXXX XXXX as a paid account. XXXX XXXX was closed and charged off. The account was closed on XX/XX/2015. Close to seven years ago. There was no further contact with XXXX XXXX. I am.again requesting the exclusion rule to apply to this account. 

I am not sure how or why Equifax continues to report incorrect information. To date every dispute I filed they closed without addressing the errors. Never sent out anything in writing because they had incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Advanced Collection Bureau, Inc.
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:
The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX XXXX  so known as XXXX  XXXX  XXXX Account number XXXX Account type Collection Responsibility O  Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management began calling me in XXXX of this year ( XXXX ). I originally stated my " cease and desist '' spiel, telling them not to call this number, to take me off of their auto-dialer and not to contact me again. I then add the number they called from to my cell phone 's Blocked Numbers list. Despite this, Midland is continuing to harass me with weekly phone calls from ever-changing phone numbers. They are demanding payment for two old credit card debt accounts that were written off/charged off by the original creditor in XXXX. Neither of the accounts are still showing on my credit reports as the statute of limitations has passed. I have verified with all three Credit Bureaus these accounts are no longer listed. I have asked Midland to stop calling me. I have written a letter to them asking them to cease and desist contacting me. They call from different phone numbers, which is harassments. Every time they call, I add the number to my blocked list in my phone. At present I have over 30 different numbers for Midland blocked in my phone. 


I want the CFPB to publish this description on consumerfinance.gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or about XX/XX/2022, I offered to payoff my loan at One Main Financial for {$9500.00} they accepted a couple of weeks later and attempted to get me to pay without the agreement in writing. I still do not have it in writing on XX/XX/2022. This is why I want to terminate any business with One Main and why this is my second complaint against them. They are fraudulent and the press and other organizations will be put on notice to stay away from this type of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my name is XXXX XXXX and my social security number is XXXX my bank of america checking account number is XXXX this information will help the bank to identify the issue. i filed this to cfpb last year and in response bank want me to call them. when i did, they cant locate my account. in the mean time i get XX/XX/XXXXto XXXX due to immigration issues. 

the case is that in the above mentioned checking account, there are 2 withdrawls made in the branch. which i never went to branch. i have a habit not to visit a teller due to a robbery happened with me in the past. so i never do any withdrawl in the bank. the two withdrawls are ( i ) : {$4000.00} posted on XX/XX/XXXX and the confirmation number is XXXX ( ii ) : {$3000.00} posted on XX/XX/XXXX and the confirmation number is XXXX i am disputing these 2 transactions and bank need to provide me applicable forms etc etc which they are not. following is my new mailing address. kindly help, i need my funds back. thank you sincerly, god bless XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : 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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good afternoon, In XXXX or XXXX, I called Bank of America to pay off my card in full. I've had the account for many years with no delinquency whatsoever... the account ends in XXXX. 
I spoke to someone on the phone who gave me the amount to pay. I provided this person with my new mailing address, and let them know my phone number and email was unchanged. 
I mailed funds, matching the amount I was provided. The check cleared. 
Over sixty days later, I received a credit alert that BofA was reporting me XXXX days delinquent. Since I'd mailed the funds ( around {$4900.00} ), I'd received no mail from BofA, no text messages, no phone calls, and no emails. No communication whatsoever. 
I called BofA on XX/XX/2022, and was informed that there'd been around {$89.00} left on my account, and that considering late fees and penalties, I now owed over {$210.00}. I paid the full amount they requested ( despite never being notified ) and closed the account ( again ). However, the customer service representative ( XXXX XXXX told me that BofA would continue to report my credit delinquent, XXXX days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
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:
I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-04-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have just today received the attached letter today dated XXXX stating that Chase has validated selling my home on XXXX XXXX, XXXX without any mention that this fake account has many illegal issues including XXXX XXXX involvement their Own Account Number as shown on my credit reports dating way far back is # XXXX. This is not only an Unvalid foreclosure sale but also a fraudulent attempt to steal my home of 33 yrs. Also there has never been a mention of my putting down near XXXX in XXXX of XXXX as well as payments based on Estimates which in themselves are illegal. In XXXX of XXXX my document expert proved within her 183 5B Affidavit to not only be photocopied but also forged Both Mortgage And Promissory Note documents. There are many different versions of both of these fake documents within the CFPB files of my complaints. This 1099-A is just another situation of tax evasion of an illegal sale. I the homeowner am not the profiteer but JP Morgan Chase Bank and whomever claims to own my home. I have not as yet received anything in the usps mail telling me of this sale or transfer of my home title which again is all fraud. This 1099-A is TAX EVASION by Chase. I will once again be contacting the IRS in regards of this criminal act!! as I did in XXXX when the last 1099-A was illegally stated and Rescinded!!! XXXX XXXX will also be receiving a problem with this illegal attempt XXXX time to sell my home with photocopied forged documents. THIS IS FULL BLOWN CONSPIRACY FOR PROFIT IN MY BELIEFS AND EVIDENCES WITHIN CHASE/XXXX XXXX CRIMINAL ACTS AGAINST ME. I am XXXX yrs old, XXXX, indigent with only a high school education being targetted by this insanely criminal maniac for profit by trying to illegally steal my home. This fake account was removed from my credit report on XXXX which is no more due to fraud!! please see attached credit report page showing XXXX XXXX and date of account removal. It was removed before this illegal foreclosure sale in XXXX of XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We had to break our lease due to us being harassed by an employee that lived under our apartment in 2022, we had emails of telling the manager and her only offering to move us to another unit for a fee They werent willing to help us out and after my son being traumatized by all the events we decided to leave. Now we are under collections with IQ data and the only way I found this out was because I checked out my credit report and saw it on there. I never received any letters saying anything about this collection.

In our contract it states that we

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: FIRST NATIONAL BANK OF OMAHA
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:
Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of XXXX XXXX. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$0.00}

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 2023-02-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit file has suffered severe damage due to Experian negligence, with respect to the FCRA and fdcpa. Experian Report Number XXXX date generate XX/XX/2023 Experian is furnishing XXXX inaccurate and fraudulent accounts on my credit file. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

As Experian conducts their investigation, I expect Experian to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.

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 2020-08-13
Company: Financial Assistance Inc
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a contract for an auto loan with a co buyer the co buyer went chapter XXXX to pay off car loan. this was a two party contract with buyer and co buyer. On XX/XX/2020 Financial Assistance Inc made this an individual account without my knowledge and put it in collections as my sole responsibility in the amount of XXXX I disputed through XXXX who only showed the contract with buyer and co buyer not as an individual account. Does a collection agency have the right to change a contract without the persons approval is this fraud.?

Company response to consumer: Closed with explanation