BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or about XX/XX/2022 I was given a pre-approved offer by First National Bank of Omaha ( XXXX ) for their " XXXX '' credit card. I completed their application process, they accessed my credit report and my application was approved. I received my credit card on approximately XX/XX/XXXX and the following day I received a letter stating that they tried to contact me by phone or e-mail and were unsuccessful. They asked me to call them. Their letter specifically also stated that the block they placed on my cards " can easily be removed after we speak with you. '' First of all, they are liars. They NEVER tried contacting me by phone or by e-mail. Second, XXXX has failed miserably to comply with the Americans with Disabilities Act. I am, unfortunately, XXXX XXXX XXXX XXXX I tried calling the number they gave me at least 50 times between XXXX and XXXX and it is impossible to reach them via TTY / RTT. I tried using the XXXX relay service and also via their listed number for RTT. Each attempt failed. On approximately XX/XX/XXXX I reached XXXX via the XXXX Relay Service and communicated with an unknown individual who was very reluctant to communicate with me even after XXXX explained by disability. In the end, simply because they could not speak with me as any other non-disabled person, they told me I must provide *notarized* copies of my SSN and ID. 

I do not believe the ADA allows any company to require additional documentation from an individual just because they are disabled. Also, requiring a person to pay a notary for copies of documents is absurd. Further, they lied in their initial letter.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021 I sent letters requesting my information be updated to Experian, XXXX, and XXXX They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

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 2023-05-27
Company: Eastern Account Systems of Connecticut, Inc.
State: DC
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 have not received a 1099-C form from the original creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service . 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this matter and remove the write-off from my credit report until proper documentation is provided. Please provide me with a written response detailing the actions taken to resolve this dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I call on XX/XX/XXXX and asked for the pay off amount. The lady told me that a draft for {$530.00} was already scheduled to come out of my bank account. the balance was {$1700.00}. 
{$530.00} Drafted out of my account that night. 
I paid your over the phone {$1200.00} On XXXX the XXXX they drafted {$120.00}. And I received an email that they will draft again tomorrow. 
Please see the pay off drafts out of my account attached. And they reported on my credit that my balance just went up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX withdrwal cash from the atms for almost 2 years with XXXX XX/XX/XXXX y XX/XX/XXXX stole XXXX dollars in 2 years order XXXX dollars inXX/XX/XXXX in one day XXXX hacked my phone n make wire transfers usin XX/XX/XXXXapp XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was locked out of my account on XX/XX/23 so I called to request for it to be unlocked on XX/XX/23. The first representative confirmed that it was locked because of trying to log in multiple times using the wrong password. He put me on hold and after reviewing my account, the supervisor I spoke to decided to close my account without explanation. No reason was given as to why she decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my first mortgage from servicer Meadowbrook Financial Mortgage Bankers Corp. on XX/XX/XXXX. On XX/XX/XXXX my mortgage loan was transferred to new servicer XXXX XXXX XXXX XXXX. Upon reviewing my online account with XXXX XXXX XXXX XXXX between late XX/XX/XXXX to mid XX/XX/XXXX, I noticed my ESCROW account was in the negative for over {$2300.00}. I called XXXX XXXX XXXX XXXX to find out why my ESCROW account was negative but a representative stated " we have no idea as to why, please contact Meadowbrook Financial Mortgage Bankers Corp ''. I called my first mortgage loan servicer and my broker XXXX XXXX but he had no answers for me. From that point on I grew suspicious and felt there were malpractices going on. Miraculously the same day I raised awareness about my ESCROW account being negative, was the same day my ESCROW account was in good standings. At this point I started doing a lot of investigating and going over my disclosures carefully. There were a few red flags on my disclosures such as the wrong race ( which I complained about before ), it indicated that I've done a phone interview ( I clearly did a face to face interview ), an extra brokers point was taken from closing, the RESCIND documents were never present nor signed, a fraudulent Commitment was made to buy my loan some approval time and XXXX XXXX XXXX ( the actual broker that closed my loan ) name ws nowhere to be found on my disclosures. I thought that was very odd and suspicious. Until this very day, I do NOT trust Meadowbrook Financial Mortgage Brokers Corp. nor XXXX XXXX XXXX XXXX with my money. I've been wait over one year for both lenders/servicers to answer the important question which is : WHO OWNS THE NOTE TO MY MORTGAGE????? XXXX XXXX XXXX XXXX put my home in foreclosure on XX/XX/XXXX. I responded with an answer and discover on XX/XX/XXXX. XXXX XXXX XXXX XXXX 's first attorney never responded to my discovery and backed out the foreclosure case. The second attorney hired by XXXX XXXX XXXX XXXX answered to the courts saying that they are not choosing to respond to my discovery and than backed out the foreclosure case against me ... .. WHY???? This is an unlawful malpractice on the part XXXX XXXX XXXX XXXX played. If XXXX XXXX and XXXX XXXX does NOT own my mortgage note and my information dose not appear in their system, than who is the actual note holder of my mortgage???? I contacted my title company XXXX XXXX XXXX via fax on XX/XX/XXXX regarding this issue but I did not receive an email nor replied letter by mail.

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 2023-09-21
Company: Experian Information Solutions 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-21
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Kikoff 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Kikoff Lending LLC, Account # XXXX, has violated my rights. 

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions NEW XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

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 2018-10-06
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: Investigation took more than 30 days

Complaint:
Back in XX/XX/XXXX I requested for Equifax to validate and delete 2 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} both closed ) from my credit report. I have sent my last 4th letter to Equifax on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Equifax customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is XXXX & Equifax credit score is XXXX. This item is negatively impacting my Equifax credit score. I have also been permanently XXXX  since XXXX  and I have reported this to the Department of Education, loan lenders and collection companies. Equifax is involved with illegal business practices and is committing fraud on various levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states 1 have rights to privacy.

15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
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:
15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates. 

My rights was violated a few times. 

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2019-06-26
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/19 : Requested verification of account XX/XX/19 : Received statements and copy of Terms of Service with my printed name on the signature line and my social security number included as company tax id number XX/XX/19 or thereabouts : I was contacted by the collection agency who threatened to arrest me within 15 minutes if I did not pay. On another occasion the representative told me that they had my wife 's phone number and would call her every half hour if I did not pay The company did call my wife and after she said she did not speak English they hung up and did not call back. 
XX/XX/19 : Contacted collection agency and representative was made a few statements and was rude, then hung up the phone before I was able to ask any additional questions. 

The account is not my account. I never owned this business or any other business. The other person on the contract stated that he opened the account under the business tax number and later sold the business. He does not know how the company obtained my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Arbor Residential Mortgage LLC
State: NJ
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 had a loan with XXXX XXXX which was XXXX  XX/XX/XXXX. XXXX still shows the mortgage loan pen with a past due amount of $ 85,000+ and shows delinquency after the discharged date. It shows in XXXX still being delinquent. I need this fixed on my credit report ASAP XXXX/XXXXXXXX XXXXXXXX fixed their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-27
Company: Resurgent Capital Services L.P.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service XXXX 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: DISCOVER BANK
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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states 1 have rights to privacy.

15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation