BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. On XXXX XX/XX/2022, I received a letter through the XXXX from a company identifying itself as NCB Management Services Inc . The letter claimed they were acting as a debt collector for a loan issued through XXXX XXXX, c/o XXXX XXXXt ( two banks I had never heard of nor have ever had any business dealings or accounts ) and were demanding payment of a -supposed- {$3900.00} debt. By the time I saw the letter it was too late in the day to call this company, so I waited until the next morning. 
( NOTE : The day before, I had received a disclosure letter from NCB that outlined their policies on collecting consumer info, etc. Since I had no idea what this was about, I had set it aside. ) 2. On XXXX XX/XX/2022, I called the number for NCB Mgmt. Serv. Inc. I spoke to one staffer, explaining the debt could not possibly be mine. I was then transferred to a woman identifying herself as " XXXX XXXX '' and claiming she was a supervisor. She insisted NCB had purchased the debt from XXXX XXXX, our phone conversation was being recorded and she wanted " to help me settle this debt ''. I informed her " they would not get a penny from me, because it wasn't my debt '' and promised I would get this resolved. 
3. After an online search, I obtained a phone number for XXXX XXXX  ( in Utah - I live and work in a different part of the country ). That staffer confirmed I did not have any loan connected with their bank and gave me a phone number for XXXX XXXX 
4. I then called XXXX XXXX  and spoke to a staffer there, who checked the info I gave her from the letter. She spent several minutes in this task. Then, she recommended I contact identitytheft.gov ( which led me to this site ). 
5. Next, I called the 2 local banks where I had applied for the PPP grants for my business ( and both those grants were approved for Loan Forgiveness ). One of the bank managers did some additional checking with their fraud department and she informed me this was a scam - instigated by people using the publicly available data on the PPP loan recipients to coerce those recipients to believe they still owed money to the PPP Loan program.

6. I was advised to put a freeze on my credit reports ( done ), and am now contacting this agency with my experience.

7. Initially, I was planning to respond to the NCB letter, but have now decided to ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
While shopping at XXXX on XX/XX/24 I was asked if I wanted to apply for their *rewards program*. Assuming this was like the rewards programs at grocery stores I figured it couldnt hurt. The lady working the register asked for my ID, punched in my info registering me for the rewards program and then asked me to sign the pad. After which she informed me that my credit card would come in the mail. At no point did she tell me she was actually applying for a credit card instead. At this point I told her I did not agree to open a credit card, and she basically said " Its done now ''. The lady next to me in line was going through the exact same thing with her checkout associate. Its clear that the store was using misleading language to sign people up for credit cards they did not agree to be applied for. I then spoke to the manager who also told me basically that its done and theres nothing they can do. My credit has been harmed by a credit pull that serves no value on a credit card that I do not plan to ever activate and had no intention of ever using. This will prevent me from leveraging my credit in an optimal way in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Real Time Group, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, Real Time Solutions, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted Real Time Solutions directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that Real Time Solutions will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - TrXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to Real Time Solutions XXXX - Email to Real Time Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}

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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid 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:
On Wednesday, XX/XX/2022, I called Capital One in regards to a payment made on my account for my XXXX XXXX. I had made the payment a day earlier so that the funds on my card would be available so that I could make a payment on account that I was trying to avoid issues with, ( I am recovering from XXXX so my accounts have gotten behind. ) The first agent I spoke with, XXXX ( ID : XXXX ) assured me that he could release the funds on my card immediately after going through certain questions. After several minutes he advised he was having issues and needed another agent to assist. I was then transferred to XXXX ( ID : XXXX ) who promised the same thing that she could release the funds we just needed to call my Bank to ensure that the funds were there and the payment would clear. XXXX XXXX  XXXX confirmed the information with both of us on the line that the payment would clear the account and the account is active. After several minutes of putting me on hold, she also claimed to have issues but assured it could be done and blind transferred me to a senior supervisor ( as I was told ) by the name of XXXX ( ID : XXXX ) she abruptly told me it could not be done, there is no way to do so, no explanation except that they were awaiting the funds to clear. I explained to her my situation and and what I was promised and assured by the prior 2 representatives and the financial hardship that I would further endure. She offered no options, she lacked professionalism in the situation and refused to provide me documentation stating what I was advised and that it couldnt be done so that I could at least supply my creditors ( financial situation ) with documentation to see if any exception could be made on pending fees and liens. I asked if there was a manager or any higher ups who I could speak with since she declined what I needed nor provided assistance and she told me she would be the only person I could talk to and no one else could assist. This is unethical and honestly I believe to be illegal for a company to have agents promise, guarantee or assure a customer something can be done and then refuse to do it with out explanation or documentation to support the reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX  are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.

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 2023-01-18
Company: Experian Information Solutions 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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.

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 2021-04-26
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 RE : You violated the XXXX XXXX Code Law THIS IS XXXX XXXX. THE REAL XXXX XXXX. I included my XXXX XXXX card because nobody would have access to that but me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY HELPING ME PREPARE THIS DISPUTE LETTER SO PLEASE DON'T EVEN TRY IT. i contacted the FTC about some fraudulent accounts and inquiries that I did not authorize. I attached a copy of the ftc report # XXXX to this letter so you kknow it's real. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt and not a day later. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them FAST!! 
aka fastly. 15 USC 1681n defines XXXX liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter. AND ALSO This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THis DEBT OR INQUIRIES listed. Please remove all fraudulent accounts as I have no know of any of these accounts due to that big ole Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around i beg of you. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please update and/or delete all accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Report Number : XXXX on XXXX File Account Name : AMERICAN ADJUSTMENT BUREAU Account Number : XXXX Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX They have been trying to collect this debt since XX/XX/XXXX and I have no association with that company, it could be Identity theft or false information. They keep on updating the collection on file and it even comes up as a late payment account. I have tried many months to solve this issue, asked for proof, they sent documents trying to prove and it came up with my information but I have never provided my information over to this company. 
I would like this to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last year someone trying to open my account after they open my account and they deposit the check in my account after that they close my account with the fraud check

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 2023-01-18
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ALLY FINANCIAL 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:
I've contacted ally & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!

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 2022-01-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Victim of bad practices and fraud

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 2023-04-25
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is about a Consumer Credit Transaction initiated on XX/XX/2023 with Indigo financial institution executed by the way of signing an Agreement ( Document ). 
As per 15 USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for the right to opt out of certain sharing. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, this institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX and XXXX are nonaffiliated third parties and this institution has violated the provisions of 15 USC 6802.

This institution has also violated provisions of FCRA ( Fair Credit Reporting Act ).

Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: TX
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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX. XXXX has violated my rights. 

Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my permission.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2021-02-18
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on a cash-out refi with Loan Depot. The funds paid to me and to payoff my previous mortgage were to have funded within 5 business days ( by XX/XX/XXXX ) and I prepaid interest on this loan accordingly. For no explained reason, they did not fund until XX/XX/XXXX. Given I paid per diem interest on my old mortgage that was supposed to be paid off, and to my new mortgage which I prepaid since mid XXXX, I was essentially double charged interest. I've made numerous attempts for them to address this and have been ignored. They simply won't respond.

Company response to consumer: Closed with explanation