BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
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: Account status incorrect

Complaint:
Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, Experian, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, Experian, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX XXXXXXXX, Experian, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

Sincerely, 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 2024-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America started charging a monthly or maintenance fee last year which stated they would not charge an overdraft fee, or I would not have to be concerned about an overdraft fee. I was never charged a fee because I have direct deposit. Bank of America is stating that the way my job deposits my check through ACH, I ' am being charged now. When my debit card was declined because the purchase was {$8.00} dollars over. I called in only to find out that the maintenance fee doesn't cover the overdraft fee. So, what is the maintenance fee covering?

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 2024-01-26
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did send the credit company what they requested but everytime i send the document they came up with another request

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 2024-02-04
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : CREDIT COLLECTION SERVICES | ACCOUNT : XXXX  I am writing to file a formal complaint regarding a debt collection on my consumer file that is a result of identity theft. Pursuant to SectiXXXXn 615 ( f ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( f ) ( 1 ) ), I am formally requesting that you  ensure compliance with the regulatory obligations imposed by the law. I also want to draw your attention to Section 30 ( b ), which prohibits the sale, transfer for consideration, or placement for collection of a debt resulting from identity theft. 

The debt in question has arisen from identity theft, and as per Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, no person shall sell, transfer for consideration, or place for collection a debt if they have been notified under Section 605B of the Fair Credit Reporting Act that the debt has resulted from identity theft. I am requesting that you investigate this matter promptly and take necessary actions to block the unauthorized information from my account. 

Furthermore, I assert my rights under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. The Furnisher/Creditor should be able to supply an original documentation ( an original instrument of indebtedness with the autograph on it ), not to be confused with a photocopy. I am requesting a complete audit trail of the accounts in question and the Tax Registration certificate. Additionally, the creditors must provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties. This request is made in accordance with generally accepted accounting principles ( GAAP ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX conventions. 

Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency thoroughly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Please note I have never possessed a drivers license and wouldnt have needed care insurance of any sort! 

Enclosures : [ Include any relevant documentation such as copies of police reports, FTC reports, etc. ]

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent validation of debt letters to I.C. Systems, INC regarding a debt collection on my credit report for the amount {$380.00} that was opened on XX/XX/2022 and company has not provided proof of debt but keep adding it to 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
Consumer complaint received 2024-01-29
Company: MPOWER Financing, Public Benefit Corporation
State: FL
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:
On XX/XX/2023, Mpower Financing placed a hard inquiry on my XXXX report that led to a drop in my credit score, negatively impacting my overall credit health. I filed an ID theft report with the FTC and formally wrote to Mpower Financing requesting detailed and specific information about what led to the hard inquiry. Even though it received my letter, the company refused to provide the information that I requested. Instead, it sent random emails to me claiming the inquiries were made in error. My credit score has remained same since it dropped as a result of the inquiry, though it sent me an email saying it had removed the hard inquiries. I needed the specifics of what exactly happened to enable me take actionable steps to prevent the recurrence of such fraudulent activities on my credit report. However, Mpower 's deliberate refusal to provide the information, as required by law, is making it practically impossible for me to take further action to secure my financial health.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: CCS Financial Services, Inc.
State: CA
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:
I AM ONLY LIABLE FOR THIS DEBIT WITH XXXXXXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT CCS COLLECTIONS ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX AND I DO NOT HAVE A CONTRACT WITH CCS COLLECTIONS. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITOR TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE EVIDENCE TO PROVE MY CASE. 

BEST REGARDS XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

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 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good Evening, I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 )

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 2024-01-30
Company: Monterey Financial Services LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I made some purchases on XXXXXXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}. 

However, the original creditor sold my lease agreement balance of {$2800.00} to the Monterey Collection Services. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my XXXX credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.

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 2024-01-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : 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 2024-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
You listen to not XXXX for your benefits. That's why we're not going to further. Went to court on the just that I was everyone VS situation. And there's still refusing to give him money. I XXXX, my car got stolen while I was in XXXX. I filed my claim. They won't give me my money and I have all the neighborhood that state. I was in XXXX and I'm doesn't match out. Do you think I'm gon na make a XXXX, but I'm gon na follow them? You're gon na understand at the time of the instant the transactions. It does not match up but showing you documents, but your city pickworth, saying that XXXX is saying I'm eligible that's all reason you're denying so every time I call it. It's like you're never telling me about me not about. You no, I'm gon na not be you know. Being at the hospital that you listen to court now that I've got appealed. You have no explanation, but but that's only excuse they're saying there's some. Thing, it's on the phone that the title is the metric that I've seen in no documents that. I'm out this senior camera or another. No, nothing like that. Everyone said, so he can't deny the more which they've done already. They said we're out of it now. Because open the car back up.

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 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Closed my account for no reason

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 2024-02-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute the accuracy of this account. I want to cease and desist because Transworld Systems Inc is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania .

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 2024-02-05
Company: Americas Car-Mart, Inc.
State: GA
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:
I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A year ago, I submitted a request to remove my ex husband from my checking account, and he was not removed. Earlier this week, without my consent my XXXX  XXXX  closed my account. I have had this account for XXXX  years, before I was married ; and I dont understand why the bank didnt give me prior notification that this was happening. Now my deposits are frozen, all of my accounts that are paid from this account have to be rerouted to a different account, and I have no banking source.

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 2023-11-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After the student loan repayment pause starting in XX/XX/XXXX, one or more of my contact information is out of date or does not match my name and account number in their Nelnet system anymore ( address and zip code, email address, etc. ). I can not recover username or password to go online to complete payments to them. I called them on multiple occasions and the holds are longer than 2 hours. I've never gotten a hold of anyone to help and just have to hang up because of the unusually long wait times ; the payments are being charged interest. They arent sending me paper bills to my address even though USPS is forwarding everything to my address no matter which of my old home addresses they have in the system. They also do not respond to tens of emails sent on my behalf even though they have sent emails to my account just the end of last year XXXX. I just want to pay my loans off in full and cant because of their bad internet system and incompetent customer relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have an account or debt with Portfolio Recovery. My information was sold without my consent and I am being punished for it.

Company response to consumer: Closed with explanation