BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}. 

On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX. 

Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no. 

Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to express my dissatisfaction and concern regarding the recent involuntary closure of my joint checking and savings joint accounts with my husband, which we have held at Bank of America for the past XXXX years. The closure mail I received was on XXXX XXXX, 2023. 

Throughout the duration of our account, I have maintained a responsible and cautious approach to my checking activities, ensuring that I never overdraft and consistently making timely payments, including settling our credit card dues promptly. However, to my surprise and dismay, we received a letter from Bank of America last week, notifying us of the decision to close both our checking and savings accounts. 

This abrupt and involuntary closure has caused significant disruption to our financial management, particularly in handling recurring payments such as utilities and other essential expenses. 
The sudden closure of our accounts has not only inconvenienced us but has also created an unnecessary and avoidable challenge in managing our day-to-day financial commitments. I am writing to formally file a complaint against this decision and to seek a thorough review of the circumstances leading to the closure. I tried to contact bank to see whether is there any identity theft to jeopardize my fund security and the bank refused to disclose anything. 

I kindly request your prompt attention to this matter and a comprehensive investigation into the reasons behind the closure. Additionally, I would appreciate clear and detailed information on any steps that can be taken to rectify this situation and reinstate our accounts. 

Thank you for your immediate attention to this matter. I trust that, upon review, a fair resolution can be reached to address the inconveniences caused by this unexpected account closure.

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 2018-12-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I do a lot of shopping online with my XXXX XXXX account and use my XXXX XXXX credit card. This Chase XXXX XXXX account allows me to give 5 % of my purchases to the charity of my choice, the XXXX XXXX XXXX XXXX XXXX XXXX. I also get 5 % of my purchases back on my XXXX XXXX RewardsVisa Signature Card for any future purchases from XXXX ( only ). 

I received an email approximately one week before my birthday with the following offer " LIMITED TIME OFFER : We'll reward you with XXXX bonus points when you go paperless ''. 

Since I was already checking my balance online, I decided to accept the offer. I followed all of the instructions and within a few minutes received a confirmation. " Thanks for choosing to go paperless. We'll no longer mail the following documents ; they will be posted online for you. 

CREDIT CARD ... XXXX STATEMENTS NOTICES & LETTERS '' At the bottom of the promotional email it says in small print " You will qualify for and receive your XXXX bonus points if you have changed your statement delivery preferences for the account listed in this offer to paperless by XX/XX/18 XXXX XXXX ET and your account is enrolled in paperless statements, open, and not in default at the time the bonus posts to your account. Please allow up to 10 weeks after the last day of the promotional period for the bonus to post to your account. Only one bonus per eligible account. Credit card product changes during the promotional period will forfeit this bonus offer. '' It has now been over 12 weeks since the last day of the promotional period, and the XXXX bonus points have not been applied to my XXXX account. 

I have contacted XXXX, and following their instructions, emailed my complaint to Chase. I have not received a response from the credit card company. 

I am going to try to include the two redacted promotional and response emails from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: NY
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 booked a trip on XX/XX/ for the amount of {$5200.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they we fully refund your money as per their contract within 90 days. I requested a full refund. Their letters and emails said my refund would come XX/XX/XXXX which i did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some sixty day rule without evaluating my dispute. Thank you in advance for your help.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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 not supplied proof 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. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA.

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 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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 never lived at listed address ... listed address is non existent ... experian refuses to update and delete from profile... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX... 
I want information moved from my personal information...

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 2023-06-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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 this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I became aware that a checking account was opened in my name via email on XX/XX/XXXX saying that my debit card was mailed out. I never opened an account with Bank of America. I tried several times to speak to someone about this but the automated system will not allow you to speak with anyone without an account number or debit card number. I did not have any of this information because I did not open the account. After trying several numbers for bank of america I was able to get to an accounts salesperson who informed me that account was opened in my name but I would need to speak to the fraud department. In speaking with the fraud department I was told that I would receive information on on the account but they were unable to provide the information over the phone. I was sent an email suggesting me to report identity theft to the credit bureaus. Ofcourse I did report this but I never received the information promised to me about the account opened in my name. I received a debit card one to my parents address and another to my updated address I gave when reporting the unauthorized account. I have received several emails referencing new accounts. These seems to be multiple accounts based on the emails received after 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 non-monetary relief
Consumer complaint received 2023-09-27
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: Information is missing that should be on the report

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: American Financial Network Inc.
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I received a postcard ( that was delivered to my neighbors residence ) containing the following : Full Name Address Estimated home Value The amount still owed on my home amount of cash available to me The remaining term of my current home loan While I understand much of the information is public record, my current financial information is not. This information has now been shared with parties outside of my family without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: PREFERRED CREDIT INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PREFERRED CREDIT Potentially negative Date opened XX/XX/ Balance - Status Paid, Closed. {$3100.00} written off. 

Unaware of this debt ... .no knowledge...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: TN
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 am filing a complaint on XXXX, Equifax & XXXX  due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately. 

The following accounts are in violation and need to be deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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:
Equifax is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform Equifax to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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: Personal information incorrect

Complaint:
Incorrect information on 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