BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This was a scam phone call in order to collect over {$1000.00} in fake debt. The card mentioned was closed a long time ago under my previous ( maiden ) name. They mentioned that my name was not changed, that I still have this card and threatened to take legal action, and attempted to collect money I do not owe, on a credit card that no longer exist. This happened while I was at work and ignored me when I asked questions. I called back and a man answered using my first name. This was not a company! or real debt collector- it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 

XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 

XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 

XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 

XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent another letter regarding the fraudulent/unauthorized activity and demanded an investigation. ( See attached XXXX  label/Receipt ). I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 

XX/XX/XXXX, I submitted complaint to CFPB, which included all the unauthorized transactions ( see attached ) XX/XX/XXXX- BNY processed PART of the claim and I was refunded a partial amount XX/XX/XXXX- I informed BNY Mellon that only part of my claim was processed and relisted all transactions for easy reference ( see email attached ). 

XX/XX/XXXX- BNY Mellon confirmed they were processing the remaining transactions ( see email attached ).

XX/XX/XXXX-To date, BNY Mellon has not responded or processed the remaining portion of my claim. My attempts to reach out via email and phone have been ignored. BNY Mellon is in violation of regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus   XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX This Company needs to seize and be charged for criminal activities with the purpose of obtain financial reward This company keeps flagging a collection into my credit report with XXXX  that is not mine from XXXX  XXXX. 
All credit cards I have had in the past years ago with XXXX XXXX have being paid and settled. 
I have not recently applied for any cards or have had an open account or had and open account with XXXX XXXX recently!! 
THIS NEEDS TO STOP! 
This false account must be remove from my credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: GA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: BLINCLOANS, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with oneblinc maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. 

They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {$3600.00}. 

Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {$4900.00}, but on my account it shows {$3600.00} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {$90.00} biweekly. 

Truthly I feel the company isn't being honest with posting my correct balance. 

I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. 

That doesn't look good on XXXX. I feel like I can't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a checking account from the bank with a promotion. Also confirmed the promotion/offer details with the phone representative when verifying application details. Met all the requirements for the promotion but did not get the promotion bonus.

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: EQUIFAX, 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: Personal information incorrect

Complaint:
Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: FL
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 exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the XXXX   District of Florida to the XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include Equifax, XXXX and XXXX. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I tried to use my debit card which was declined. I contacted the bank to find out what the issue was and was told my account was frozen due to an XXXX loan and that I needed to speak with security on Monday. I contacted the security department this morning only yo be told that they received a call from a federal agency to freeze the account. The agent also stated that they can not due anything until they receive a subpoena. She also stated that she could not provide me with an additional information and that there was no time frame as to how long it would take for my funds to be released. She verified that my business was legimate and registered with the Secretary of State.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

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 2021-11-10
Company: Experian Information Solutions Inc.
State: GA
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 have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX  Account Number 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 2020-09-04
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: PA
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 have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was 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 2021-05-13
Company: Paramount Capital Group, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went to trucking school, XXXX  XXXX. The tuition was {$6000.00}, This contract was made with XXXX  XXXX and myself. My payments were being taken out of my earnings weekly by XXXX  XXXX to cover my tuition. Fast forward 4 months later. Im no longer employed by XXXX  XXXX. Upon checking my credit report I noticed a company by the name of Paramont Capital Group listing a loan on my credit file. I had not received any calls other then a email from this company with a attached bill the same month two consecutive payments were reported late. I had no knowledge of this company prior to my findings and upon research, I checked with my local and state, XXXX XXXX XXXX New York, lending licensing departments and discovered this company was not a licensed lender or debt collector in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity loan was transferred from XXXX XXXX XXXX and Reporting ( XXXX  ) to Specialized Loan Servicing LLC ( Specialized ) in XXXX. A payment I made to XXXX was not credited to my account. I attempted to make an additional payment to Specialized in XXXX of XXXX ( and received electronic confirmation of Specializeds receipt of that payment ), but that payment was not removed from my account. This has resulted in my account being shown as overdue when it is not. 

I asked Specialized to 1 ) credit my account for the payment that was made to XXXX, 2 ) confirm that Specialized will not debit my account for the additional payment that I attempted to make, 3 ) waive all late charges, 4 ) confirm that their actions will not have any adverse impact on my credit, and 5 ) provide me with an updated and accurate statement of the balance due on my account.

To date, I have received no response from Specialized. When I called their customer service number, their representative could not or would not resolve these issues. I filed an online request for assistance and received no response other than their computer-generated email saying that my request had been received. I followed up several times on my initial request and have still not received a response.

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 2017-10-06
Company: JPMORGAN CHASE & CO.
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:
CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: SYNCHRONY FINANCIAL
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/2021 I applied for a XXXX credit card to make a purchase from a private seller for an item. In two weeks time I never received the item. I tried to contact the merchant numerous with each time no response back whatsoever, so I disputed the claim. On XX/XX/2021, I received a letter saying the dispute was in my favor. I got charged again for the amount and filed another dispute and this has been going on for several months back and forth. Today XX/XX/2021 the XXXX credit card charged me again due to the Merchant not accepting refunds or cancellations. XXXX credit card will not help me whatsoever and wants me to pay for the amount for an item I have not received.

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