BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
What happened? 
1. 
We were owners of XXXX shares XXXX ADR issued by the Bank of New York Mellon. ISIN was XXXX. 

Book value of 1 DR was XXXX USD per DR ( as was stated in XXXX annual report of XXXX  ). 

Bank of New York Mellon only paid XXXX USD per DR cash proceeds for the termination of the ADR. 

Book Value exceeds cash proceeds by 15-fold. 

The company XXXX is a healthy company and keeps on producing steel at large scale. 

2. 
The payment was sent with check. ( But the check was not cashed instead it was refused to be cashed. ) 3. 
Bank of New York Mellon declared us, there were no dividend payments paid by XXXX. This was a round lie. XXXX officially declared dividends for the years XXXX and XXXX. 

The Bank of New York Mellon has never paid us the dividends. 

4. 
Bank of New York Mellon not even paid the full cash proceeds of XXXX USD per DR . 

We should only receive XXXX USD per DR . Although we are no US citizen nor US residentials the Bank of New York taxed us over five thousand USD. 
We need help in this case as we are victims of obvious fraud. We are able to proof every detail of our accusation with documents. 

Finally we ended up with nothing, we not even get the XXXX USD per DR because the checks were refused to be cashed. We lost all our funds invested in the DR product issued by Bank of New York Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NC
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 am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. 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 authorization used my personal identifying information to apply for goods services or Money and was successful in creating and some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I filed the following complaint twice with Kohl 's and received the same boiler plate refusal to take action. 

I have had an active Kohl 's account in good standing since 2000. 
I have never been late. 
I make infrequent purchases. 
I pay with the Kohl 's auto pay feature. 
Kohl 's cancelled my auto pay feature, but not my account. 
My payment was not automatically made because of Kohl 's action Kohl 's reported me as non-compliant. 
Kohl 's action caused my credit score to be negatively impacted. 
Kohl 's refuses to accept responsibility for their error that hurt my credit score. 

My account is now current. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is falsely advertising assisting their customer during Covid if person or business has financial strains but instead charging customers excessive overdraft fees even for transactions under {$10.00}. Preying on customers who are unable to access their account or go into the bank due to Covid-19 or having had exposure to Covid-19.

Theyre falsely advertising account information in their mobile application that doesnt reflect a true balance to make a financial gain they force the Mobil application on you every customer service representative will state its a convenient way to track your transaction but in actuality the app does not reflect your true balance I spoke with a representative and she confirmed the Application does not reflect true account balances. 

When you sign up for an account the company states when you use your debit card PIN number those transactions are taken out immediately customer service as well and in fact it does not which allows the company gain over their consumer to charge overdraft fees. 

When the bank makes a processing mistake they credit the account as a courtesy instead of a bank error which in return hurts the consumer if the consumer needed a courtesy overdraft refund due to their policy they will not refund you because they already processed courtesy refunds through bank errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Total Card, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, threats of violence and death from Total Card, Inc. Debt Collection Representatives for a debt and fraudulent XXXX XXXX XXXX credit card account I never applied for and thats not my account. I never applied for or received a XXXX XXXX XXXX credit card. The account is fraudulent and not my account. Its extremely disturbing, disgusting and frightening to be receiving telephone calls of profane language, threats of violence and death from Total Card, Inc. Debt Collection Representatives. I am in total fear of my life. Total Card , Inc., is in major and serious violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2020-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested debt validation of two accounts being collected by XXXX XXXX XXXX XXXX After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. XXXX XXXX XXXX XXXX later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who XXXX XXXX XXXX XXXX is, and I do not recall entering a binding loan agreement with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX  didn't give Creditor my Score.

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 2023-11-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 do not recognize these inquiries from my credit report, and I asked the Credit Bureau to remove them, and they did not do as asked 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 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to see a local attorney to discuss and shared parenting revision to take my XXXX year old minor son to PA where I had obtained a good job. I met with the attorney once in XXXX 2015. He took some pertinent information. I met with him again at the end of XXXX 2015, still unsure if I wanted to go through with this, take my minor son, and move to PA. I had given his receptionist my credit card information if I wanted him to take the case. I signed a contract that stated he could do all the work ; file petitions, if the former husband gave me any problems, appointment of a 'guardian et litem ', etc. Toward the middle of the meeting I decided I did not want him to help me. He was late for the appointment, seemed XXXX and in XXXX with his records and his office. He also kept cursing. I asked him to tear up the contract and give me my {$2500.00} back. He billed my XXXX another {$2500.00} He said to send him a certified letter and he 'd give me my money back and would send a copy of the null and voided contract. He lied. He sent me an inflated bogus bill for services he DID NOT perform. He sent a bill for {$3500.00} with a refund check of {$1400.00}. I called XXXX and they originally took the {$5000.00} off. He fought back and sent his bogus bill, the contract with my signature and copy of signed slip for {$2500.00}. XXXX then gave him ALL of the money back. He has my refund of {$1400.00} also. I had another local attorney do the filing and revision for me for {$600.00}. When I called XXXX they closed their investigation and stated if I had sent the other attorney 's fee and what she did, they would have maybe given my money back. They did not tell me to do that and I sent all the information they had requested. It seems they did not take my story into account or these major issues with him. It is my XXXX, not his. 
XXXX took MY money and gave to this creep. I am a single mother and he must have found out I had a ZERO balance on my card with a {$5000.00} limit. I also took the money off as soon as I found out that he lied, billed my card another {$2500.00} and figured out he was scamming me. I just want my money back. There was no agreement that he would charge me {$5000.00} to talk with him for only 2 ( two ) hours. XXXX did not follow the consumer rules. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: IN
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Colony Brands, Inc.
State: MA
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 found 3 Montgomery Ward accounts opened in my name all 3 with different account numbers for Montgomery Ward and opened on the same day XX/XX/XXXX with a balance of {$280.00}. I contacted Montgomery Ward and they informed me they do not have these 3 accounts on file under my name. I also contacted XXXX, they informed me to file with the FTC for fraud. I contacted Montgomery ward and I also contacted all three credit bureaus early last week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Shellpoint Partners, LLC
State: UT
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:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, ShellPoint Mortgage services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from Shellpoint XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX 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 2023-06-17
Company: EQUIFAX, INC.
State: VA
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Evaluate this account : XXXX XXXX XXXX  XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off 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 2023-07-05
Company: EQUIFAX, INC.
State: TX
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: KY
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:
Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.

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 2019-10-10
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Made arrangement on payment, but they still call every few hours from XXXX XXXX and was told not to call to check their notes on date payment would be made. I'm suffering with stage 4 XXXX and this is upsetting as well as harassing,

Company response to consumer: Closed with explanation