BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because, too many credit cards with balances and my income, which have increase since opening this card. All my credit cards with other companies are in great standing. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company for 15 years. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating sufficient balances on my revolving credit lines, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. Because of that request thats why I believe my account was closed. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.

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 2022-11-20
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: Account information incorrect

Complaint:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX  customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: DISCOVER BANK
State: PA
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 don't have a late payment on discover, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A 1099A & PAYMENT LETTER WITH XXXX XXXX XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR NOR XXXX AND THEY WERE PAID INN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 American Express XXXX XXXX XXXX XXXX XXXX UT XXXX REF : XXXX XXXX XXXX XXXX XXXX American Express Card. 
Denied my lawful right to obtain credit me being the Consumer ( 15 USC 1692c ( d ) ) and Original Creditor, A Natural Person I invoke my consumer rights pursuant to title 15 chapter 41 Violation of the FCRA Fair Credit Reporting Act the banking system is dependent on fair and accurate practices. 
my credit report is inaccurate. 
TILA Truth in Lending Act 5-29-1968 CCPA Consumer Credit Protection Act ECOA Equal Credit Opportunity Act prohibits discrimination ( 15 USC 1691 ) 15 USC 1602 ( f ) Credit is the right granted by me to a debtor to defer payment. 
15 USC 1692e 15 USC 1681a ( 4 ) Consumer Privacy is violated 15 USC 41-58 FTC Federal Trade Commission prevents unfair practices, unfair and deceptive The FICO is not mentioned in the FCRA The Consumer Reporting Agency is Fraudulent and obtaining my private information without my consent is unlawful Using XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 USC 1637 Open Ended Consumer Credit Plan on this Consumer Credit Transaction 15 USC 1692 Me the Consumer is being taken advantage by the agency using abusive practices, and inadequacy of the consumer protection law. 
15 USC 1681n Civil Liability for willfull Non compliance obtaining my consumer report under false pretenses, knowingly without permissible purpose. 
{$1000.00} per violation 15 USC 1963k Civil Liability 15 USC 1640 Civil Liability {$5000.00} consumer Credit Plan 15 USC 1681e ( b ) Compliance Procedure and accuracy of report 15 USC 1681b Permissible Purpose I never gave written Instruction to furnish my consumer report. 


I never Granted Permission for any agency to furnish my information in the first place. 
I extended my credit in exchange for the XXXX XXXX XXXX XXXX American Express Card Fraud on the behalf of the Consumer Report Agencies for violation my Consumer Rights for furnishing my information with out my permission I choose to invoke my right as a consumer I am a Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Splash Financial, Inc.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with Splash Financial in XX/XX/2023. The application process required uploading various documents, including a paystub, driver 's license and bank statement. I made multiple attempts to upload each document, but had a difficult time completing this upload requirement. Since I could not upload my bank statement, I asked for a work around ( eg, sending the statement to a general inbox ), but there was no alternative option for submitting documents. This became a source of frustration for me. 
On XX/XX/2023, I spoke to a representative, who attempted to provide assistance. He was very professional. However, through our phone conversation, it was discovered that an incorrect email was input into the system. I was told that anything submitted in error could only come from the customer 's end. I asked if they could change the email, but the rep said it was not possible and that if I wanted to move forward with a new loan I would need to withdraw and resubmit the application. I agreed to this. 
After my application was withdrawn, I created a new account and reapplied, but the system rejected my application. 
I am upset about what happened for several reasons : 1. I was highly inconvenienced in this process while attempting to submit documents over the course of several weeks. This turned out to be a waste of my time.

2. The application process was inflexible and had no mechanisms in place to receive my documents in an alternative manner.

3. The company ran my credit as part of the process. My credit took a hit with a hard check and now I am left for the moment with nothing.

While Splash Financial has appealing loan offers, the company needs to do a better job of streamlining its loan application process so that the experience is more seamless, instead of a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of midland in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: VA
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 report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a transfer on XX/XX/2022 for {$560.00}. I found out it was a fraud attempt and immediately contacted Bank of America. I went through their process and they said I should contact the bank it was wired to and that they could not help me. They said it was XXXX XXXX XXXX XXXX which hasn't seemed to be in operation for years. 

My claim was : 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 2021-07-25
Company: Resurgent Capital Services L.P.
State: NY
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 recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently complained about XXXX reporting to Transunion a bankruptcy on my credit report. XXXX advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to Transunion. On XX/XX/XXXX XXXX advised on their website that they stopped reporting to Transunion in regard to bankruptcies. XXXX responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. Transunion needs to delete the bankruptcy off of 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 2023-07-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 my XXXX app and account was hacked. My debit card information at the time was saved within the app. On the afternoon on XXXX I received numerous emails from XXXX stating my account password had been changed, an address had been added and 2 orders had been placed. Neither of these orders were placed by me. I was able to call one of the XXXX stores in the XXXX, TX area and I was able to cancel the pick-up order. The 2nd order was a delivery order and it was unable to be canceled. The delivery order was around {$130.00}. I wasnt able to immediately file a dispute on the charge since it was still listed as pending. The first opportunity that I had, I filed the dispute and Chase Bank credited my account. I then canceled my debit card per Chase banks recommendation. This lead to lots of headache since I have numerous bills linked to that card. Chase bank completed their investigation and claimed that the charges to XXXX were authorized and they then removed the {$130.00} from my account. I submitted numerous documents to Chase Bank trying to plead my case. I even provided the address to where the groceries were delivered in XXXX, TX. I also submitted a police report with the XXXX Police Department. As of today, XX/XX/2023, Chase Bank continues to claim the charges were authorized and my account had not been hacked. After 15 years of banking with Chase Bank, I can say that I am truly disappointed in the customer service and assistance that I received during this time. I can assure you that I would not have canceled my debit card and went through all this headache had I bought the groceries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off In XX/XX/2017. Since then I have been contacted by Three different  collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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: Old information reappears or never goes away

Complaint:
I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to XXXX  I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help 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 2018-05-16
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.

Company response to consumer: Closed with explanation