BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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 attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

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 2023-12-28
Company: U.S. BANCORP
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Elon Financial Services manages my XXXX  credit account. I have authorized " Auto Pay '' to be processed through my checking account. I receive a statement monthly for my balance due. On several occasions the company has received a credit from a vendor which occurs after my statement has been sent. They do not send or notify me that they will apply the credit when my auto pay is collected. When the amount of the auto pay is different than my statement, I have to call my credit union for the amount. This is an adverse system that affects my ability to correctly balance my checking account. 
My XX/XX/XXXX bill was billed for {$2500.00} on my statement but only {$1300.00} was collected. Elon Financial received a credit on my XXXX XXXX account of {$1100.00} after my XXXX account closing date but as it was received before my payment was due they applied the credit to my amount due on XX/XX/XXXX. The XXXX charge was then listed on my XXXX bill in the amount of {$140.00} which significantly affected my payment due on XX/XX/XXXX. This system affects my ability to budget for my XXXX charges and could not be employed if I were mailing my payment.

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 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1. Received a letter from Bank of America dated XX/XX/XXXX to do a short sale. They allowed 15 days ( until XX/XX/XXXX ) to submit appropriate documents. 
2. But our file was forwarded to foreclosure attorney ( XXXX ) on XX/XX/XXXX. Received a letter from XXXX dated XX/XX/XXXX. 
3. Spoke with XXXX of B of A on XX/XX/XXXX about reinstatement calculation. She stated a payment of {$26000.00} need to be received by XX/XX/XXXX in order to avoid fees. 
4. Payment of {$26000.00} was sent and received by B of A on XX/XX/XXXX. 
After making the reinstatement payment, I noticed following charges on my XX/XX/XXXX statement : 5. On XX/XX/XXXX, I was charged with attorney/trustee fee of {$420.00}. 
6. On XX/XX/XXXX, I was charged with title fee of {$740.00}. 
7. On XX/XX/XXXX, I was charged with recording fee of {$24.00}. 
8. On XX/XX/XXXX, spoke with XXXX of B of A disputing above charges. She said to write a complaint letter and fax to XXXX. 
9. On XX/XX/XXXX, I sent a fax to B of A disputing above charges and requested copy of invoice. 
10. Received a letter dated XX/XX/XXXX from B of A indicating they have initiated a loan modification process instead of responding to my complaint. 
I noticed following charges on my XX/XX/XXXX statement : 11. On XX/XX/XXXX, I was charged with another attorney/trustee fee of {$780.00} 12. On XX/XX/XXXX, I was charged with mailing fee of {$38.00} 13. Received another appraisal report from B of A dated XX/XX/XXXX for loan modification which I did not request.

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 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to get a {$500.00} check from Capital One for 3 months and they keep giving me the runaround. 

In early XX/XX/, I cancelled my Capital One Venture Card. On or about XXXX XXXX XXXX, I was issued a refund of {$500.00} from XXXX that was reflected in the account on or about XX/XX/2023. After speaking with a representative that month, I was told a check would be issued in a couple weeks. I confirmed during the call that the check would be sent to my correct address in XXXX XXXX, CA. After waiting 4 weeks, I called back as I did not receive anything in the mail. I was told the previous check would be voided and that I would receive another check. The representative confirmed that both the prior check and the new check had my correct address. In late XXXX, I went to my old address in XXXX, CA and saw that Capital One had misinformed me and sent the {$500.00} check to the incorrect address. Unfortunately, this check was already voided and I could not deposit it. On or about XXXX XXXX XXXX, I called and indicated that I had not received anything in the mail. I was told that another check would be issued to my correct address and it would take 15 business days. I asked why the check couldn't just be direct deposited or sent over night and they said the representative said they couldn't do that. I called back on XX/XX/ as I still had not received a check in the mail and was told that 15 business days would be on Friday, XXXX XXXX XXXX I called back on Saturday, XX/XX/ as I still had not received the check in the mail and was told 15 business days would be Monday, XX/XX/2023. I called back on Wednesday, XX/XX/2023, as I still had not received a check in the mail and was told the check was issued on XX/XX/2023 and to keep waiting. It is now XX/XX/2023. I have waited 3 months to be reimbursed and have been lied to or misinformed. This is not an issue where the mail is delayed as I have never received a check from Capital One at this address in 3 months. At this point, they have committed theft. Please help me get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MN
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts Account Name : 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 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 2017-03-15
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
had a check bounce in XX/XX/XXXX from my pnc account.they paid it and within 2 months they closed my account out.would n't let me close out my checking.but closed out my credit debit card never gave me all my money.and then found XXXX other cards from an account from XXXX i had at their bank that had stolen checks on it that they said they closed out n never did.one is good til XXXX n the other is good til XXXX.i did n't keep that account going and had just invested in phone cards and reload prepaid cards.now my credit score is XXXX and was asked to contact you by spectrum.i checked my score a few wks ago and it said i bought a house in XXXX and a new car in XXXX.i didn't.this is the XXXX time i 've been hacked into and they were surpose to have flagged me from then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: SC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In my credit report from Experian, XXXX, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXXXXXX XXXX XXXX XXXX Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off 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 explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX ; I paid a lady XXXX dollars thru square for car parts the payment went thru then a hour later the payment was sent back I guess... it was never sent back to my account... I found out next day square deactivated sellers account and said it was sent back... on XX/XX/XXXX the money showed up on her closed account minus their fees, she was told to refund the money thru her account but it doesn't work. That same day square went back into my account and charged another XXXX dollars ... .The seller got an email on XX/XX/XXXX that her account was deactivated she never saw it... .why did they take my money from the start... .the second XXXX has dropped off my account but the first on has not... .I have no car parts a broke car and square won't give my money back to me... I don't have 90 days to wait and my bank won't help me either ... square should be shut down the way they are treating the average citizen is gross after all without us they are nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Citibank two days before XXXX XX/XX/2023 to complain about a series of almost daily charges made showing payment to XXXX that I did not authorize. I allowed my son to use the credit card to get gas in his car and fast food on occasion. He apparently without my knowledge signed up for some online gaming site that turned out what may be a Russian scam operation. Once they got my credit card information, that repeatedly made charges to the card. I called Citibank and was told that the card was cancelled and that no further charges would be posted to the account after it was closed supposedly on XX/XX/2023. Despite my best efforts to have the card cancelled I kept seeing new charges posted to the credit card after I believed the account had been closed. The lady on XX/XX/2023 told me I would receive a new credit card with a new account number in a plain white envelope in about 10 days. I immediatly cut the credit card into tiny pieces and threw it away. When I kept seeing new charges posted to the account I called CitiBank again the first week in XXXX and tried to find out what was going on. The fraud department did not seem to have record of the first call in their system. I explained what had happened and that I should have no responsibility for any charges after my first call to Citibank on XX/XX/2023. I was told that since my son did apparently sign up for this Russian game that I would have liability for the XXXX charges. I told them that no services were provided and that the entity placing the charges was a scam operation. It appeared to me that Citibank was in some conspiracy with the creditor placing the charges against me. I have impeccable credit and went ahead and paid the bill in its entirety in dispute to keep my excellent credit. I received a letter today from Citibank that they contend the dispute is now closed and threatening to report my account as past due to the credit reporting agencies if the debt was not paid ( which I had already paid in full under protest ).

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 2023-09-19
Company: NCB Management Services Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX that this negative rating has caused me and will continue to cause until it is resolved.

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