BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX  XXXXXXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX OF XXXX - XX/XX/2020, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccura
te.

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 2017-09-30
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, an automatic bill payment in the amount of XXXX issued thru the bank bill pay service appeared in my account and was withdrawn from the balance. On XX/XX/XXXX, the same bill payment appeared in my account which caused the account to overdraw and was charged a XXXX  fee for XXXX. This was the same payment that had posted on XX/XX/28 however the payment on XX/XX/28 disappeared. After talking to Bank of America they are refusing to refund the XXXX fee after admitting by phone on a recorded line that it was an error. This is not the only time I have seen processing errors occur but BOFA fails to make right on their mistakes.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
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:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-01
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, have a closed account reporting on my credit report from SELF FINANCIAL , INC . d/b/a SELF through XXXX XXXX due to late payments. I am writing this in regards to Account # XXXX and transactions. At the time of the occured late payments, I was having financial issues due to me not getting enough hours at work to pay all of my bills. While I make every effort to pay off my debts and fulfill my financial responsibilities, in this instance, I was in this circumstance, unfortunately, unable do so. I have since, been put in a much better position and was able to fulfill my duty to pay off my balance before the account closed. Due to this closed account reporting on my credit report, it is greatly impacting my credit score. I take full responsibility for these late payments and would like to sincerly apologize for my inconvinence and frustration this has caused you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Venture : First I XXXX XXXX XXXX A XXXX XXXX XXXX and a XXXX XXXX XXXX. I have/had a capital one card always paid in full and only ever used for travel, household, family purchases. I am a mom of XXXX children XXXX of which are foster kids, so I spend family always. Two weeks ago I went to pay for our family cruise and was informed that my capital one card had been cancelled by capital one. Appalled, I called them and they said that I was not using my card for family and or household purchases. Literally I was embarrassed and shocked. This is all that I used this card for and I have proof of all the purchases. They told me I would receive a letter and I did, it basically said the same thing. I lost my points that I earned and its embarrassing because I havent done anything wrong. Then today my Kohls card was cancelled and they are stating it is because of the capital one issue. I have tried to reach out without any avail. I am not sure what to do!!! I now have 2 cancelled cards on my credit report and the main thing is the embarrassment like I have done something wrong! I want my cards back on and my points. I want this fixed. Should I get an attorney to step in and handle it? I did have my business attorney look at my info and he sees nothing I have done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}

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 monetary relief
Consumer complaint received 2017-09-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX - Received mail from Rash Curtis and Associate about a collection On XXXX/XXXX/XXXX - I paid my debt in full to the original creditor ( XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ) ( have receipts from my bank as well as the original creditor ) On XXXX/XXXX/XXXX - Received a call from Rash Curtis and Associates, where I had informed their representative that I have already paid the debt in full to the creditor and have receipts and confirmation. 

On XXXX/XXXX/XXXX - Received more mail from Rash Curtis and Associates trying to collect this debt that has already been paid, as well as the cookie cutter threat to report it to the credit agencies ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

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 2022-03-21
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SunWest denied buyer of loan because of insufficient collateral ( XX/XX/2022 ). This action took place afterwards buyer opted-out from property sale. I have witnessed this practice before ( not as a seller ), where lenders offer credit denial letters in order for buyer to opt out without any penalty. This is a misconduct and deceiving practice that should not be allowed and lenders should only offer this type of letters in legitimate cases. ( Buyer had sufficient funds to suffice collateral. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After work one night I went to a local ATM to deposit money. I deposited almost {$500.00} in the ATM. A sign appeared on the screen stating that the transaction could not take place but my money was never returned. I filed a claim with Chase. The claim came back unfounded and they said they could not locate the funds. I asked who investigated and when to which they could not answer. While going over the details they realized they made the claim for the wrong ATM. So they opened a new claim. This one also came back unfounded and they stated again they could not find the funds could not tell me who investigated when they investigated or how they investigate. During the claim process they gave me a loaner amount of {$500.00} while they investigate it. When the claim came back unfounded they remove the {$500.00} without warning and it caused massive overdraws on my account. A total of five insufficient funds fees totaling {$35.00} a piece was applied to my account. I asked them to remove these fees as they were inappropriate and it was unfair to charge me these fees when they did no such investigation whatsoever. I have tried multiple times to find out how they investigate when where and who investigates with zero answers being given to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-12-01
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: Personal information incorrect

Complaint:
I had requested the XXXX credit bureaus ( Equifax, XXXX, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I had requested the XXXX credit bureaus ( XXXX, XXXX, and Transunion to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2017-07-06
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I faxed a letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX To XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I faxed an additional letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no changes to inquiries, on XX/XX/XXXX I sent a second letter via certified mail. I received correspondence from the credit bureau dated XX/XX/XXXX and again dated XX/XX/XXXX but no changes to inquiries were made.

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 2020-04-24
Company: Credit Systems International, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On credit report, they claim the account was opened on XX/XX/2018 and I owed {$91.00}. I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Monarch Recovery Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
https : XXXX XXXX XXXX XXXX XXXX Female caller refused to identify company claimed my son gave the number as his, which is a lie. This is not the first time this company has called me over a dispute with my son, who is an adult. Each time they say they are going to remove me from their data base. They lie. 
Today is XX/XX/2022 incoming call XXXX am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in GAAP and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days. 

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The new credit card I received and have been using has not been added to my report and it has been more than 3 months since I got it. XXXX XXXX is falsely reporting my XXXX XXXX credit card balance for the second time.

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