BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During covid XXXX I reviewed my credit report and noticed that a collection account was opened by the Law Office of JMCC . 

I noticed this and contacted their office to invoke my CFPB rights as a consumer specifically stating code 15 USC 1692e. ( 3 ). This collection company stated they are in an attorney 's office and that is a direct violation of code 15 USC 1692e. ( 3 ). This company has incomplete records for an account that I was never contracted to pay.

This company also has violated my individual privacy. I would like to invoke my rights under code 15 USC 1692b this company has violated my rights to privacy by purchasing my personal information, contacting me, and distributing my personal information through company-owned computers and databases. My location information was also used to state via telephone stating I " owe a debt ''.

This has hindered my ability to obtain housing during the COVID crisis and allowed me to be homeless during this time. These are over 3 violations of the current CFPB code. As a consumer, I would like the immediate removal of this account from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I purchase my home in XXXX in XXXX, GA. I had to pay for Private Mortgage Insurance ( PMI ). My mortgage was with XXXXXXXX XXXX then transferred to Ameris Bank. My mortgage was current and also late at various periods in time. I had repeatedly irequested the removal of PMI from my mortgage. I was told the mortgage has to be current for 24 months for the PMI to be removed. My loan to value on the property had fallen below the required 78 or 80 percent. Once the mortgage was current for 24 months I made another request for the PMI removal. I was then told I had to wait 36 months for the PMI to be removed. I then searched online for the PMI requirements. I discovered that Ameris Bank had been falsely charging me monthly fees for the PMI Insurance for 12-24 months. I submitted the PMI documents and requested a removal of the PMI fee each month and a refund. My requests have been in writing to Ameris Bank. I keep getting different explanations each time I speak with their representatives. I am seeking a refund of {$3100.00} plus for their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried numerous of times to get XXXX to remove this fraudulent account. I have called and talk to numerous people about this account. every time i talk to one representative they move the collection to another collection agency. This account is not mines. I only ever check to see if XXXX comes to my residence which they do not. I have tried to resolve this account numerous of times with XXXX and no resolution. not only that XXXX have taken money out of my account numerous times for this account. i have a police report for identity theft and they keeping this account open is not accurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: KP ASSET CONSULTING LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Beginning on XXXX XXXX  I have received phone calls ( voicemails ) from a gentleman telling me he is on his way to my home /employer to collect money for a debt. He did not identify the debt or what company he was representing. He is calling from a blocked number. He gave me a number to call but no information on who I would be calling. I did not call this number. I tried to identify the number online to see if it was a legitimate number. ( XXXX ). This number did not appear in a reserve number check. 
I feel threatened by someone saying that they would be coming to my house to collect a debt that I am not aware that I owe.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-29
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made 33 payments. I have had 2 extensions on the loan. I owe the same amount I did when I bought the car as well as have been told I am still late even though I am one month ahead of the actual billed contract and the down payment was not applied at all to the loan. The interest rate is supposed to be 17 % but they have charged a 95 % interest rate so far on the loan by compounding 17 % per month instead of a 17 % apr. They are illegally charging fees as well as threatening with repossession on a loan that is current. This company is violating multiple federal and state laws and being deceitful to a XXXX person as defined by the ADA. Also the contract amount states XXXX XXXX monthly payments. They have been charging XXXX XXXX  monthly every month with is illegal to charge a different amount monthly then the agreed upon amount. As shown in the picture of the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: First Technology Federal Credit Union
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in an approved COVID relief payment option, when i called to see what options were available, i was offered to skip payments for XXXX, XXXX and XXXX. Each month i called and messaged checking on the status, and what options were available after. When i finally heard back from someone in their special assets team ( after over a dozen requests via message and calls to the number XXXX ), i was told i was approved for a reduced payment program, and to pay {$190.00} per month. I promptly made the payment by check ( attached ). Also attached is the XX/XX/XXXX letter confirming my approved payment status. 
I received an alert on my credit report today, to see i have been reported 30 days late?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX, suspicious activity was reported on my Chime account. A fraudulent page on XXXX was doing a promotion with their logo and was phishing for info. I kept getting texts that I was requesting new log in codes. I called Chime to dispute it. They locked my account for three days, then it was unlocked for one day. I got a text on XX/XX/XXXX, that I changed my phone number and email to a Florida number. Which I did not!!! 
I called Chime again! Requested a dispute to be filed and my account to be closed. It was not closed, got a two new cards : Checking and XXXX XXXX Credit Card. But I can not access my account. I have not been able to access it since XX/XX/XXXX. I kept getting some type " I am not a robot '' every time I tried to log in. 
Employer direct deposited {$380.00} which he could not stop transfer from bank. I have been going back and forth with Chime Support. I am tired of sending pictures of my ID 's and SSN to prove who I am. I have been a customer for over 3 years. As of today, XX/XX/XXXX, I have no money. I still can not access my account. XXXX XXXX purchases were made from my account using my direct deposit BUT it was not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Bread Financial Holdings, 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:
According to 15 U.S.C 1666b the time of payments, ComenityBankXXXX is in violation of my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: PA
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:
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. 
XXXXXXXX XXXX XXXX XXXXXXXX # 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 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 information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2023, I was traveling to XXXX and XXXX XXXX with my family. Per Schwab 's request, I added a travel notice for XXXX and the XXXX in advance. I was declined immediately upon trying to use the card. When I called, the representative blamed their third party ( not an excuse ), specifically Visa, for causing the issues. Took a long time on the phone to have this resolved. 

Fast forward, today is XX/XX/2023. I just spent 45 minutes trying to withdraw money from an ATM. After the first attempt, Schwab texted me to alert me of the blocked withdraw due to Fraud. That's reasonable. I texted back to confirm the transactions were in fact me. I try to withdraw money again - declined. I call Schwab and am able to once again, confirm this was me. I try a third time- declined. I call Schwab back and ONCE AGAIN confirm this was me. Now I try a fourth time- declined. This time, I called Schwab to discuss with a live rep. She verified my identity, and then put me on hold to contact the Visa team. She comes back and said Visa cleared it, let 's try again. Once again - declined. She puts me on another hold to talk to Visa. Visa comes back and blames the ATM and the card itself ( which is relatively new ). Try a different ATM- still isn't working. Doesn't seem to be the original ATM 's issue.

I've only had the card for a little over a month, and I've already spent hours trying to clear issues with them. Completely unfair and causing negative impacts to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have obtained my credit report and found accounts I never opened, addresses I never resided, and different variations of my name. I also found this account that I believe not to be mine. Acct name : MIDLAND MANAGEMENT CREDIT ( Original Creditor : XXXX XXXX XXXX  and XXXX XXXX  in the amount of {$2000.00}. I also found an account listed on my credit twice. Once with Midland credit management and once with XXXX XXXXXXXX XXXX in the amount of {$870.00}. I am not liable for this debt and I do not have a contract with Midland Credit Management. Also how is the debt listed with XXXX XXXX and Midland. They cant both be requesting payment on the same debt. Police Report and FTC Affidavit are attached with this complaint and disputes sent to all three credit bureaus. Please delete this account from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were approached by Chase Bank to refinance our existing mortgage to a lower-rate 15 year mortgage. We filled out the application and were sent a Loan Estimate. 
The process was fine until we received the appraisal - Our house ( 25 years old, 3150 sqft ) was appraised at $ 105/sqft.  The three " comps '' ( 2 in our own neighborhood ) that they used appraised at {$160.00}, {$110.00}, & $ 112/sqft. 
We notified Chase that this appraisal was inaccurate, and that we wanted a new appraisal done because of the large discrepancy. Chase refused. They then tacked on a new {$1000.00} " origination fee '' because of the low appraisal in a Revised Loan Estimate. 
They stated that if I wanted the appraisal reviewed, I had to provide them three " comps '' different from the ones they used. My subdivision only has 15 houses, and the 2 most recent sales were the $ 160/sqft & $ 113/sqft. I had no other " comps '' to show, nor should I - the best and most recent comps are already there. 
Because of this, we asked them to cancel our application, and return our {$500.00} submission fee, which they have refused to do. 
These are the people we dealt with at Chase : XXXX XXXX XXXX | Sr. Home Lending Advisor XXXX XXXX XXXX ID XXXX | XXXX XXXX XXXX Lending Manager | NMLS ID XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX XXXX ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
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: Personal information incorrect

Complaint:
The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 charged overdraft fee when account was not negative XX/XX/2021 charged anothe over draft fee when account was not in the negative This has happened multiple times with this bank and they will not even investigate

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 2018-12-27
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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