BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, 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 third 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, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
On or around XX/XX/23 I submitted a dispute on a collection debt of {$1200.00} furnished by XXXX XXXX XXXX. I requested information to get a better understanding of this debt and to verify it is, in fact, mine. Instead, I got a message that the debt was validated and a threatening letter from XXXX demanding I pay {$1200.00} to stop something they call " the pre-legal process ''. This is in blatant violation of the FDCPA and should not be considered an acceptable response to debt validation/verification by the consumer. I have a right to an accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: MRS BPO, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from MRS Associates about a XXXX XXXX collection bill of {$530.00}. The letter stated I had until XX/XX/2022 to dispute. I followed the directions on the paper but mailing and emailing the dispute on XX/XX/2022. I requested an investigation within 30 days. I still havent heard anything back. I did not receiving anymore information validating the debt, proof that the amount or cancellation debt was correct. It appeared on my credit report in XXXX for {$990.00} which is illegal and a violation of my consumer rights. 

I dont even have XXXX XXXX I have had XXXX XXXX XXXX  since XX/XX/2022. I have the same phones for 2 years. It doesnt make sense. 

I feel robbed of my rights and I am thinking about seeking legal counsel. My credit score drastically decreased and this has made me depressed. This is extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, Southwest Credit System Inc., placed a collection under my name and social security # in all 3 Credit Bureaus in the amount of {$610.00}. The information that was submitted by this company reduce my Credit Score in all 3 Bureaus by nearly 100pts. As a result, this matter has caused me a great deal of XXXX XXXX to the point that I am finding it hard to concentrate, i am having on & off XXXX XXXX, XXXX and XXXX XXXX. Please note that I have received an official letter of notice of my right to dispute this amount prior to this company placing this information in my Credit Report. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NJ
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 Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights. 
XXXX  XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
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 2021-03-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my fourth complaint regarding the issue with PNC Bank. Complaints : XXXX, XXXX, XXXX My complaints have not be resolved by PNC. I have requested refund of fees assessed ( as of XX/XX/21 ) XXXX representments of transactions and XXXX {$30.00} fees by XXXX for the transactions. I will be filing a separate complaint against XXXX. 
I am willing to pay the fees I legitimately owe. I refuse to pay fees for representments of the same transactions over and over. This is an abusive, if not illegal, process used by financial institutions to generate fees. 
The normal presentment of returned items is an automatic XXXX  times. Continuing to represent the same items and charging each time is excessive and abusive against the consumer. 
At what point does it stop. Part of the problem is PNC is allowing representments over and over and assessing fees. This is an automatic process, however, when it is brought to attention, PNC refuses to take responsibility and refund the fees. 
I have also filed a complaint with Office of the Comptroller of the Currency and Attorney General of PA. 
I also believe these practices could result in a Class Action Suit for consumers experiencing the same abuse by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XX/XX/2022

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 2021-02-15
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
Me and my husband XXXX received an alert from XXXX XXXX that our credit scores from TransUnion and XXXX had dropped, 50 points for my TransUnion and 42 for my XXXX. XXXX 's TransUnion dropped 46 points and his XXXX  dropped 34 points. We had just paid down 3 credit cards to {$0.00} balances, ( we did not close any accounts ). We paid down our remaining 6 credit card accounts to bring down our total credit utilization below 30 % and the drops in our scores didn't make sense to us. After reviewing our TransUnion and XXXX  reports, I noticed that they were a few mistakes in their reporting. We filed disputes at the beginning if XX/XX/XXXX for the following issues : They are both reporting late payments for 12 accounts that had been previously discharged in our Chapter XXXX bankruptcy on XXXX XX/XX/XXXX. They were not being reported as late. 
My husband had a loss of income due to COVID-19. We had a CARES Act payment deferral for our XXXX XXXX loan and then a voluntary repossession due to COVID-19 in XX/XX/XXXX. This account had been reporting as a voluntary repossession due to natural disaster. Now it is reporting as a charge-off. 
We had just closed on our new home on XXXX XX/XX/XXXX. Our credit score at that time was in the XXXX. Transunion and XXXX  dropped my score 100 points and my husband 's scores 60 points about 3 weeks after our mortgage closed. These 2 bureaus have been dropping our score 2 to 3 points each month since then. My current TransUnion score is XXXX and the XXXX is XXXX. XXXXXXXX XXXX TransUnion score is XXXX and his XXXX is XXXX. I am convinced that the current drop in our scores are because of the recent changes of TransUnion and XXXX  reporting statuses on the 12 accounts discharged in our chapter XXXX bankruptcy on XXXX XX/XX/XXXX and the recent change in their reporting status of the XXXX XXXX loan due to COVID-19.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check in the amount of XXXX on XXXX into my Capital One checking account, it was drawn from the sender 's bank account and the funds entered my account. 

4 days later on XX/XX/10 the funds were removed from my account due to a signature being invalid and now my bank account is negative. 

Calling said they'll have it figured out in 30 days, which is an unacceptable timeframe to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$9300.00}, {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- INSTALLMENT LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a refund on payments I made during the forbearance, and am now being charged interest by Mohela. I called on XX/XX/XXXX23 after I received the refund and saw the interest, and a request was put in to have that interest removed, because according to that rep ( and all other info I can find from Mohela and the DOE ) that should not have been charged. This seemed to be happening to others as well. I was told to wait 5-7 business days for that to take effect, and checked on XX/XX/XXXX, called today XX/XX/XXXX when I saw that interest was still on there. I was then told that the interest accruing was from the refund, but this can't be accurate : 1 ) nothing has been due from me to Mohela, I was transferred to them when XXXX stopped servicing during the forbearance 2 ) I was up to date on all payments to XXXX, with no outstanding interest or principle at any point 3 ) all payments I made during the forbearance were interest-free, so all applied to principle, and no interest should have accrued from reversing those payments. After the rep today checked with a supervisor and again confirmed incorrectly that the interest accrual was because of the refund, she rudely asked me what I wanted to do about it, and I asked if there was someone else I could speak to, because that wasn't accurate, and I wasn't trying to tell her how to do her job, I didn't know how to fix it, but it needed to be fixed, and she put me on hold without checking in for the connection as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NJ
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 Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXXXXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
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 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 2021-10-25
Company: OCEANFIRST FINANCIAL CORP.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In or around 6 months ago I made a dispute for over 500 dollars with this bank, at todays date I haven receive no updates is been showing in my account the balance but is not available for use, I have already called this bank innumerable times and they have no answer of why Im unable to have access to my money, not only that, the money is not available for my use that Im the owner of the account also this bank is been charging me the monthly fee of my account balance, how is it possible that my money is not available for me but it is available for the bank? Every single month my account balance goes down because they chargin monthly fee they got completely access to my account balance but i dont at all. This bank is been abusing of power for over 6 months with my account, having completely access to my funds charging me monthly fees from my balance but Im not able to have access to my money. I have already called customer care more than 3 times and the branch and they always say they gon na valla me back and never do, my account is not block is not frozen it doesnt have any identity block because when I first opened Ive verify my identity sending my identification and all papers needed in order to open this account, this bank is only abusing of power

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received a notification thru my email that my new account had been approved by Bank of America, which I had not applied for. As of XX/XX/XXXX XXXX, I have contacted the bank for the 4th time. the account has been active to that day. I was told each time the account would be/was closed. I was also told the issue would be investigated and correspondence would be sent to me regarding the situation. That has not happened and I received another Bank statement on XX/XX/XXXX. I called customer service this day and entered the required info and checked the balance which was approved, the account is still open. I then reported the fraud to the bank for the 4th time. As of XXXX, I reported fraud alerts to three credit bureaus. I have not had any other indications of suspicious activity otherwise. The actions of Bank of America are questionable due to the fact that no other activities have occurred and that I was a customer 13 years ago. This is unacceptable behavior and I am concerned about my information with Bank of America. I request confirmation of this complaint and subsequent findings. 
Sincerely

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 2023-03-15
Company: Affirm Holdings, Inc
State: CO
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: Overcharged for something you did purchase with the card

Complaint:
I filed a dispute with my credit card company due to overpayment from a charge in XXXX. The credit card completed its investigation and determined that I did owe Affirm and reversed the charge. the credit card PAID affirm on XX/XX/XXXX {$87.00}. Affirm claims that I HAVE NOT PAID, and that their system WILL NOT and DOES NOT take chargeback payments and that I MUST log into my account to pay. Logging into my account would result in another dispute, as I have paid the credit card bill with the {$87.00} on it and thus, paid Affirm. I OWE NOTHING! these THIEVES want more money, even though the CREDIT CARD PAID THEM ON XXXX!!! 

I was having trouble attaching, but below is a direct copy and paste from my credit card account for the transaction on XX/XX/XXXX to this merchant : Transaction Description Adjustment - Purchases Transaction Amount {$87.00} Authorization Date XX/XX/XXXX, XXXX XXXX, XXXX Posted Date XX/XX/XXXX, XXXX XXXX, XXXX Original Description XXXX  XXXX Category Financial Transaction Type CHARGE If you would like to dispute this transaction, please call XXXX. 

I have also filed with the XXXX. This company is a THIEF and justs wants more money than they are entitled! They were paid on XX/XX/XXXX by my credit card comapny!

Company response to consumer: Closed with explanation