BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX - Receivables Performance Management LLC contacted me about my debt with XXXX. I agreed to a payment arrangement of {$50.00} to be taken out of my bank account to start the payment arrangements and {$25.00} every two weeks there after. 

On XX/XX/XXXX {$200.00} was taken out of my account and on the XXXX I contacted the company about it. I was told they would review the call since all calls are recorded and they would get back with me on a decision about a refund. 

About XXXX XXXX I called them back and was told the call had been reviewed but no decision was entered about a refund. I called back onXX/XX/XXXXand the agent put me on hold to review the call. The agent cam back on the phone and said yes that I was due a {$150.00} refund and the check would be in the mail on the XXXX. 

I called back todayXX/XX/XXXX and was then told by the agent who answered that there was nothing in the system about a check being sent out. I am filing this complaint because this company has done nothing by lie to me about getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As I know and as you, Transunion, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.

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 2023-09-15
Company: ALLY FINANCIAL INC.
State: VA
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:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & 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, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXX LL 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 2017-12-26
Company: JPMORGAN CHASE & CO.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, XXXX, I was charged {$1000.00}. This was a result of someone hacking my XXXX, sending themselves money with my linked credit card. I also received a text from XXXX asking if I authorized this charge and they asked me to text yes or no back. I texted no back hoping that meant they could stop it and freeze my account and whoever hacked it. They also asked me to change my password because it was hacked, so they could see it was hacked from a different XXXX location. I contacted XXXX and they basically said it takes 7 days to figure everything out. After 7 days they basically said there is nothing they could do because the money was sent as friend/ family thus not having their purchase protection but then I explained how it was hacked and they had me change my password because of the hacking etc but they would n't do anything and said that I needed to contact my credit card company. I proceeded to contact Chase on XXXX XXXX, XXXX. After months they sent me a letter saying there is nothing they could do. So now I am stuck with a {$1000.00} charge on my card that has been also charged interest for months with no one willing to help me. Luckily I heard about you guys from one of my business mentors and REALLY hope you guys can make this right! Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX  to close the account but since Im a loyal Customer of capital one for more than 10 years.. I assume they would just send me a new card. They didnt though : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Hello Ive disputed this midland credit management account numerous times on my credit report. Ive even sent a letter to XXXX and XXXX  explaining my concerns and errors in reporting. Ive requested a full investigation and copy of information for debt validation which I have yet to be provided with. XXXX deleted the account assuming investigation was complete and they could not provide the details I requested. The amount this creditor originally had on my account was {$2200.00} and now around {$2200.00} is being reported I have no knowledge or verification of this account or amount being owed I have never made any sort of payment to this account it is also being reported as open which is not accurate or possible. I also received a letter in mail threatening legal action if payment arrangement was not set up. To my knowledge that goes against FCRA as well as the account is past the statue of limitations in my state so that would be a false threat as well. I also believe it is past the 30 days since I sent in request for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: DE
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 a natural person.XXXX XXXX  also known as XXXX XXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Southwest Credit Systems, L.P.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SOUTHWEST CREDIT SYSTEMS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$250.00} Balance Updated XX/XX/XXXX this is affectting my score and has caused it to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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  15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2020-01-23
Company: AMERICAN FINANCING CORPORATION
State: OR
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 called American Financing on XX/XX/XXXX to inquire about their bank statement loan program as I am XXXX XXXX. I spoke with a customer service rep named XXXX XXXX who answered a few of my questions, but was told that I needed to speak with the loan officer for some additional questions to be answered. Towards the end of the phone call XXXX told me that I would be receiving a call from a loan officer the following day to fill out an application so that we could review my credit and standing. He then asked for mine and my wife 's SSN 's which I gave even though had doubts about needing that before filling an application. I spoke with another loan officer with a different company and he was able to tell me market rates on bank statement loans without me filling an application. I decided rates would be too high for an investment property so I gave American Financing a call back and spoke with XXXX XXXX. He started telling me about information on my credit report and when I asked how he knew this information he told me that they pulled my credit. Never once did XXXX ask for my authorization to pull credit and he specifically told me I would be filling out an app over the phone which I never did. I contacted XXXX and they told me that American Financing needs to show documentation that this was an error in order to be resolved. 

On the same day I filed a complaint with the XXXX XXXX XXXX I received a message from American Financing. They posted a fake written transcript of the call stating that I allowed them to pull credit. When I asked for an actual recording of the call to verify what they had written was true, I never received another message. 

I called them again on XX/XX/XXXX and asked to speak with XXXX the manager I first spoke with and still have yet to receive a response from him or the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: U.S. BANCORP
State: AR
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: Problem getting your free annual credit report

Complaint:
PLEASE RE-INSERT ALL MY U.S. BANK ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.

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 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with Capital One prior to the pandemic shutdown. In XXXX XXXX  XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for Capital One. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that Capital One update the balance to reflect as paid since XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: IL
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 received notice that you verified certain items on my credit report from the following companies. 

Bankruptcy verified via ( XXXX XXXX XXXX XXXX US FED COURTHOUSE ) Please tell me how you did that. Who did you talk to as the original furnisher? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tell me exactly how you verified this Bankruptcy and include the full name of the person you spoke with. I also went to the courthouse and asked about this credit reporting matter. Courts responded with a letter I have submitted. 

15 USC 1681i ( A5 ) STATE THAT AFTER THE INVESTIGATION. ALL OF UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. 

Also, I have disputed this Bankruptcy several times with EquiFax since XXXX XXXX after XXXX sent me a confirmation letter stating XXXX could NOT VERIFIED Bankruptcy and removed Bankruptcy from XXXX database. Dont provide the generic 10 years response ; of how long a Bankruptcy stays on file I am aware. Tell me specifically what steps and methods that were used in your investigation that allows Equifax to continually state Bankruptcy is verified through XXXX and or COURTHOUSE. 

Supply your response within 15 days or delete the public record. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My phone was stolen on XXXX at around XXXX and the thief got into my bank account by finding my password in my phone. He XXXX  a random person Ive never had a transaction with since I opened my bank {$2000.00} without my knowledge, and another {$570.00} to my other bank account and XXXX the money from my other bank as well. On top of this, my identity was stolen as well because the thief found my social security. I tried telling the claims repXXXX this and there is still nothing they can do. They told me this is out of the banks hands, and you must contact another organization to get this resolved. 

Since the transactions took place on my phone that was stolen, they claim that the transaction was not fraudulent, even though it was. They are requesting compelling evidence to be able to approve the claim, but couldnt tell me what would be considered compelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TN
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 never signed consent to share my information In accordance with the Fair Credit Reporting Act XXXX account # 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 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 2021-07-15
Company: AES/PHEAA
State: WA
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:
American Education Service has been communicating incorrect information regarding my student loans qualification for Public Service Loan Forgiveness. 
In 2013, I enrolled in an Income Based Repayment Plan following being denied for Teacher Loan Forgiveness with them. I have been paying on the Income Based Repayment Plan since 2013, as a requirement for PSLF. 

Last summer I did some reading regarding loan forgiveness as I was planning to buy a home. I discovered that I had FFELP loans do not qualify for PSLF. These loans would never be forgiven as they are not Direct loans. Further, I needed to consolidate them as Direct loans with another company I contacted AES and made a complaint. I then consolidated my loans with Fed Loan Servicing, not knowing that these two companies are sister companies. 

I understand that it is my responsibility to read. However, I was following the recommendations of a specialized department that handled loans. 

I truly don't want to start over. I am seeking to gain those years back that I paid on IBR. Additionally, I am working with the sister company of AES, which is very concerning because they have been misguiding me for years. I have submitted a complaint with their Solutions Department and I have not received a response. I have also shared this with their sister company Fedloan Servicing. 
After continual sharing of my problem with Fed loan Servicing. A FedLoan representative shared that AES notes state that they recommended that I consolidate in 2013. This was blatantly untrue and I am concerned that FedLoan is covering for American Education Service. Additionally, despite receiving the alert that the Fed Loan was recording the call, they shared that I was not allowed to record the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I open up a regular checking account and a business account. Over months my account was in good standing. I received a check from a third party after several months having the account. The check bounce because the account was closed. So the check was return and the account was closed by the bank. I contacted the bank to keep the account open and they refuse. There was no fee or any money owed to the bank. The account was closed with a XXXX balance. But for some reason the bank closed the account and showed fraud closed account. Which now reports on XXXX and XXXX XXXX. This account was never fraud it was a third party check written. I reguest that Fifth Third Bank delete and removed this inaccurate rating on my checking account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX XXXX BOFA sent me balance transfer offers for both my credit cards, which I took advantage of. In XX/XX/, I received notices that BOFA closed both my credit cards due to increase in balances on one or more credit card, sudden increase, and increase in utilization. I took advantage of offers given to me, and was penalized for taking advantage of them. Never had I had an delinquencies or lates on my credit or credit account. In XX/XX/, they invited me to open up a new credit card with them. 

I asked my attorney to write a letter on my behalf to BOFA, and they said all they can do is ask me to apply to open up a new credit card. 

I feel this is unfair trade practice where they entice me to take advantage of an offer, and then they closed my card, which affected 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