BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: ENCORE CAPITAL GROUP 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:
This account through Midland funding was previously deleted through my XXXX credit report and experian is still showing that it is my account it was deleted due to being fraudulent and they keep updating this account it is not my account I do have proof where it was deleted off of my credit report through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I have been disputing a collection from MRS BPO , LLC that was placed on my credit file to all three bureaus that is incorrect! I did a dispute with XXXX and the collection remains, I did a dispute with XXXX and the collection was removed and then placed back onto my credit file. 

I contacted MRS BPO , LLC to ask them why have they placed a collection on my credit file and was told that if I wanted to dispute the collection, that I had to pay them to do a dispute. I've never heard of such a thing and refuse to give a company money to resolve something they did unlawfully. 

When I disputed the collection with the credit bureaus I submitted proof, evidence that the account was paid with the original creditor before the collection hit my credit report. I am submitting those same documents of proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was sent a check for a job i did a bid on. Bank of america posted the amount on the account. Couple days later after buying material and stuff with that money the check bounced and Bank of America did nothing about it. They told me i had too pay that money back. It doesnt make sense for me too pay that money back when they put the money in my account too use and then force me too pay which I already paid them that money back. Why not hold the check till funds clear and then put it in my account?

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 2023-08-15
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
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 a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX   and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) I am requesting that these accounts be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation.

2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Harvest Associates inc the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

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 2023-11-16
Company: United PanAm Financial Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company has been calling my family and friends repeatedly. They are leaving messages ( I do have a digital recording of one voicemail ). They were asked to cease phone calls to people associated with me in XX/XX/XXXXXXXX  via phone call. They call me repeatedly, daily, as much as 4 times per day. They send text messages to me although I have opted out of text services. When attempting to speak with a representative today ( XX/XX/XXXX ), she would not stop speaking over me and would not listen to me. This company took advantage of my XXXX knowingly approving a subprime loan that is not affordable and has literally stalked me via family and friends causing me extreme distress and increased medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2019-12-05
Company: Veripro Solutions Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Veripro Solutions, Inc numerous times in XXXX, XXXX, XXXX and XX/XX/2019 to try and settle my delinquent 2nd mortgage for less than owed. Each time I was verbally told the full payoff amount was {$47000.00}. I tried to settle for less than owed and each time I offered an amount, the representative stated they had to submit the request and never called me back. Now I have put the home up for sale and when the title company requested the payoff, it was {$61.00}, XXXX. This servicer never stated anything about past due interest in any conversation regarding the full payoff. I have tried to speak with the servicer of the loan but they state the payoff is out of their control. The owner of the mortgage note is a Trust that states I must speak to the servicer who is the acting agent on their behalf. The servicer should have to honor the verbal payoff amount of {$47000.00} as I have made attempts to reach a resolution to this balance due and have Veripro Solutions, Inc has never contacted me regarding a resolution or stated the payoff amount had changed. They state they recorded all conversations and I had them on speaker when communicating with them to have someone verify the conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: U.S. BANCORP
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
About a week ago, I went to XXXX with my wife. When we got home from XXXX, I took a nap and woke up to multiple notifications about my credit card getting charged from XXXX XXXX, XXXX, XXXX  totaling to around {$2000.00}. I called my bank and reported it as fraud and my card was stolen. U.S bank did give me my money back but a few days later they took back their provisional credit and said I was liable for the charges. I know that I didnt make these charges and need help from you guys badly. Thank you

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 2019-06-11
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: Personal information incorrect

Complaint:
I would just like everything removed from where is says " Personal Statement '' on my Experian 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 2023-06-19
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: Account status incorrect

Complaint:
This is XXXX XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Experian detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Experian and requested that the fraudulent accounts be blocked pursuant to federal law. Experian did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Experian continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Experian continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in 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 2018-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hi, There was a fraudulent transaction on my Bank of America travel rewards credit  card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX  at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. 
Upon noticing the charge, I contacted XXXX  XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. 
Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. 
Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. 

I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. 

Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from 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 2023-05-21
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Tried to use the card at XXXX XXXX 's but was not accepted. 
I called Vanilla Gift Card and was asked to submit a copy of the Gift card & ID and was given a reference number XXXX. 
I got a reply asking me to provide the receipt of purchase. 
( How can I provide the receipt when I received the card as a gift ) I also tried their website XXXX time : vanilagift.com But every time I tried, an error occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello Reviewer, My credit score has been negatively impacted because of a false statement produced by Synchrony Bank. Synchrony closed my Guitar Center credit card because of ; a lack of real estate information, balances on accounts too high compared to credit limits, too few accounts paid as agreed and not enough balance paid down over time.

Synchrony Bank is in violation of the Unfair, Deceptive, or Abusive Acts or Practices stated in the XXXX XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. I do own real estate, I have paid all my debts on time with Guitar Center/Synchrony and even paid off my debts early on two accounts. I have not gone over my credit limit. I requested to increase my credit limit with Synchrony and they accepted it. They set my limit to {$2700.00} and I had only spent {$820.00} recently. This is a utilization of 30 %. I have never been delinquent on any payments with Synchrony Bank in regards to the Guitar Center card and have paid off my balances before they were due. With the Guitar Center card I had, I took out a total of 3 loans. 2 in XXXX and XXXX in XXXX. Both loans from XXXX were paid off before their due dates as I had a 24 month 0 % APR financing. The most recent loan was for {$820.00} and 0 % APR for 48 months. I have made all payments on time with this most recent loan.

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 2023-01-18
Company: Titanium Funds
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX Titanium funds called me to get a payment for a vehicle I crashed ( XX/XX/XXXX ). First off I was told I had traditional GAP insurance ( day I bought the car ), come to find out after my car had been totaled I had collateral damage insurance. They arent the same thing. They told me I could go back to the dealership I bought the car to get my old cars balance wiped clear ( XX/XX/XXXX. Told them that isnt gunna happen I already bought a car and wasnt going to have a high interest rate. I got my lawyer involved to help resolve the situation. I had let titanium funds know what was happening and they proceeded to call text and email me daily. 
XX/XX/XXXX I received a call from titanium funds, I told them the situation again and told them I would not be paying for the car until I was instructed to by my lawyer. The gentleman on the phone told me no lawyer would ever tell me that, I told him yes they would because they did. I told him I have dealerships, lawyers, and family who have seen this tell me to stop paying. The gentleman proceeded to tell me nobody would tell me anything like that. The gentleman was very disrespectful to me. I asked him to put a FULL cease and desist on my account I didnt want further communication with titanium funds. He told he wouldnt do that due to my account being an open account and me owing balance. I informed him I worked in auto financing, so my jab is the exact same his is and I know he HAS to put a cease and desist on my account if that is what I request. The gentleman on the phone said once you learn the correct verbiage I will put a cease and desist on your account. I proceeded saying you are harassing me so put a full cease and desist on my account. The gentleman on the other line refused to put one on my account. I ended the call and emailed titanium funds this is your written notice to put a FULL ceased and desist on my account. DO NOT contact me, my references, relatives, neighbors, or my place of work. Proceed to XX/XX/XXXX I received a text and an email. I didnt respond. XX/XX/XXXX I received two calls back to back, a text and an email. Again didnt respond or answer the phone calls. XX/XX/XXXX ( today ) I received two calls back to back, a text and an email. Again no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation