BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc 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 non-monetary relief
Consumer complaint received 2018-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Sir/Madam, I am a long-time Chase credit card holder. I have 2 credit card accounts. I pay my bills on time and have no debt. 

My complaint is this : Chase is constantly asking me, via email, and on their website for me to share with them my personal income. ABSOLUTELY NOT. This is very private and personal information. Why on earth would I do this? 

This is clearly geared at targeting me/other customers for services. It fringes on privacy. I am XXXX. This is not right to prey on existing customers. Please make it stop. 

Thank you. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Shelly point mortgage is showing that my mortgage is in dispute. this is effecting my refinance on my owner occupied home. they are also showing a late fee on the monthly statement and i have never been late on this loan in 15 year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: SYNCHRONY FINANCIAL
State: SC
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:
Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments

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 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX - I opened two deposit accounts for my XXXX XXXX ( XXXX )  expansion at Bank of America - Small Business online web portal XXXX - SBA loan proceeds deposited in to primary account by the US Treasury XXXX - letter sent by Bank of America with 'threatening ' language indicating that my account was closed - no cause of action provided. Threats include a statement that " Our decision to close your account is final and may affect your ability to open a checking or savings account with us in the future. '' But worse - " We may report you to XXXX XXXX  ... The may affect your ability to open an account at any other financial institutions for up to five years. '' XXXX - second letter sent by Bank of America. First line in bold letters, " We've closed the above account. '' Then - " At this time, any remaining balance won't be returned to you. '' XXXX - I received the first letter on XXXX and called the following day. Was told that 'an analyst suspected fraud on my account and that funds were being held in back office pending review. ' I escalated to a supervisor who sent it back to the analyst for review ... very harsh and accusatory tone in their dealing with my questions XXXX - I called back and was first told that this was still under review. After pushing back hard, I was told by a supervisor that this had been reversed and that my accounts were reinstated but that the funds would take 48 hours to clear back in to the account. I asked for and was given a path way to escalate this to the executive response team, given that I had already written to XXXX XXXX - XXXX of Bank of America. 

** I have now had multiple calls and escalations since these letters arrived - happy to report that BofA acknowledged this was a mistake on their part and are complying with my demand for a letter of release, indicating that I did nothing wrong and that this was a mistake on their part. I expect this letter by XXXX. 

Even with their apology letter and reinstatement of my accounts, this complaint still stands in that the language used in the letter is - or should be - illegal. Threatening my financial future by an unsubstantiated claim of fraud is wrong. Withholding funds as they suggest in the second letter is a felony crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement " remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds.

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 2018-08-02
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX  CST. After discussing the issue and providing him with evidence he refused to reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01
Company: GREAT LAKES
State: TX
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:
My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Credit Control, LLC
State: MD
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:
I just received a letter dating XX/XX/2020 from a new creditor that has bought the old debt ONE day after I spoke to XXXX  and told them I send fraud affidavits to them three times on a credit card account they was stolen - I guess they sold it the next day because they didnt want the drama but now I will seek legal investigation into this! Its absurd how they passed a fraudulent debt off again -

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 2018-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. 

has this as notice on my credit report Experian and this company has invaded my privacy ftc violation cra fiar credit act

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 2021-07-07
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently I was alerted by XXXX  that NCB Management  Services is reporting a fraudulent account XXXX {$3000.00} on my credit file. This account isn't mine nor did I open said account. I have a police report in which I can furnish to XXXX  and NCB Management Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian membership services User name : XXXX Password : XXXX XXXX When I signed up for services in XXXX I was granting a charge for {$1.00} to access credit report.i was unaware I was being enrolled in a monthly subscription for {$26.00} this amount was billed to my account the first week of XXXX and the last week of XXXX then again last week of XXXX I have cancelled the services as of XX/XX/XXXX upon discovering charges but am unable to receive a refund. I never authorized a monthly subscription only the {$1.00} charge. Id like to have the XXXX months worth of billing refunded back to 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 monetary relief
Consumer complaint received 2020-02-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 at XXXX XXXX  XXXX XXXX from midland credit management called a thirds party relative regarding four ( 4 ) credit card accounts they have in collections. He disclosed the amounts owed and to whom they are owed. This relative is not authorized on any accounts and has no knowledge of these accounts. This is not acceptable and is a violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, I was a victim of unauthorized transactions to my account from a website called XXXX, which is owned by XXXX, an online casino company. I had an account there for a few months but only used XXXX XXXX for modest purchases. I have since closed the account and contacted their support department for help. 
The exact loss i believe adds up to {$5600.00} although the people i spoke to in the BofA XXXX department said some of the last transactions were pending, I'm not sure what the outcome is. This whole thing is crazy because I specifically opted for no online transactions to my account, yet they let them through.They really failed me by ignoring the signs that something was amiss and this activity continued for XXXX weeks. There were XXXX they said over a XXXX week period, yet no one saw this as completely out of character for my account? The first transaction occurred on XX/XX/22 and last one on XX/XX/22 before they finally began blocking them on XX/XX/22. It's obvious the people robbing my account weren't going to stop until it was drained from the way the amount of transactions escalated so quickly over that span of time, and one would expect they would have security measures designed to recognize that activity and halt it from the start. My mother 's bank which is XXXX does, so much so that they block single transactions a few times a year, and although an inconvenience she says she still appreciates the protection they provide. Since my first complaint, I've learned more information about what might have happened. A guy named XXXX XXXX spent XXXX weeks at our apartment, and altho a buddy of my roommates he spent allot of time on my phone saying he ran out of fata,. A month or so later my ex roommate said he visited him and was afraid, saying he might be in trouble with the law. He wasn't specific but my roommate said it sounded like fraud of some kind. He's a nice guy and would never physically hurt anyone, but it's intelligent and computer savvy. So myself and other friends have tried locating him just to talk to him and he disappeared, on the run perhaps? The problem is he's from Hawaii and that's in the XXXX but still far away. That's all the info I've got for now. But please contact me if you need any further information from me, my email is the best way, XXXX. Thank you for your help, 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 2018-02-28
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent over three letters in 4 months for this company requesting debt validation. A request was made in pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. As stated in the law, the company did not cease collection activities, in fact they kept reporting to the credit Bureau. To date the only correspondence I have received is a bill, not anything with my signature to validate the debt they believe I owe. It has been more than several months since I place a debt on my credit report and more than one month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
My identity has been compromised. I found out becausXXXX XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Kikoff 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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 XXXX  Accounts # XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 I received two voicemails on my cell phone. My mother called the number back at XXXX XX/XX/XXXX. They asked to speak with me, she asked who she was speaking with and the representative said convergent outsourcing. My mom asked what kind of company that was and he said a debt collections company ( Not supposed to say that! ) She said Ok and the man proceeded to release all the info about my debt to a 3rd party ( Not supposed to do that ) She advised that rep it was not convenient for me to receive calls on that phone number unless it is after XXXX or XXXX est ( She couldn't remember which one she said ). 

On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX ( not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after 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 2020-07-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have been working with the company since XXXX trying to modify the loan. They denied us and told us the HELOC matures on XX/XX/XXXX and payment is due in full. They sent us the invoice with the amount due on XX/XX/XXXX. We sent them a check for that total amount and sent it certified mail. They received it on XX/XX/XXXX. We called to verify that they had the check and they confirmed that we did and read the check number to us. It is now XX/XX/XXXX, they have not cashed the check yet and we are calling every day to find out status. Each time we call we are told something different about why they have not cashed the check or applied it to our account. Today they said that the check was not for enough money even though we paid the amount on the bill that they sent us! Every single time we call they tell us that they will have to call us back. Nobody from that company has EVER called us back and they won't cash our 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 2017-12-17
Company: Experian Information Solutions Inc.
State: SC
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:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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 non-monetary relief