BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
i paid XXXX to have the fraud removed for the debt from bank of america XX/XX/2018 this debt suppose of been removed from my credit it still there can this please be removed

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 2018-03-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XXXX XXXX XXXX consistently talks to my relatives, as soon as they identify as a relative, about my debt, how much is owed, account information and attempts to collect payment from them. The latest attempt was XXXX about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
I have disputed the following addresses with Experian that are not my addresses and they don't delete them. I have attached my Drivers license and a current bank statement with my only address I have lived at since birth. I also see 7 variations of my name and none of them are my only name which is XXXX XXXX XXXX XXXX Please delete all other variations of my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Online Savings account with Goldman Sachs Bank USA ( under the brand name Marcus ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called Marcus Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist  Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist  Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I have been trying since XXXX of XXXX to get EQUIFAX TO REMOVE INQUIRIES THAT I DID NOT AUTHORIZE!!!! I have explained to them that my home was broken into in XX/XX/XXXXwhere my license and social security was stolen. In XXXX after I XXXX both my parents the mailbox was broken into causing me to have to get a post office box. By then all my information was being used to open fraudulent accounts. XXXX XXXX was a bank I was using and my info was compromised with them also. Equifax has sent a letter telling me the inquiries were factual. YES THEY ARE FACTUAL BECAUSE OF MY INFORMATION HOWEVER I DID NOT AUTHORIZE!!! They even went so far as to tell me about an email address that I have not been able to use in years because a cellphone was stolen with my passwords. They changed it and have access to everything. I did fraud alert when it happened. 
I went through each one telling them the ones that were mine and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Im a XXXX XXXX, and works only parttime. Ive paid my car note pretty well, until very recently, when I had unexpected expenses, and fell a little behind. I asked Capital One if they could give me one of those programmes that puts two payments to the back of the loan. They said they could. So the first guy took a payment from me and said Ill be current after that payment. But the company was still calling me after that. When I answered the phone, they said Im still in collections and I had to pay more cause the amount the other agent asked me to pay, wasnt enough. So I paid again! After paying AGAIN, they were still calling me. When I answered, they said Im still in collections, cause the amount the second person gave me still wasnt enough. So I paid AGAIN! After that, I was assured that the loan would definitely be current, two payments would be put to the back and comes XX/XX/XXXX, Im starting fresh! So I called today to make the XX/XX/XXXX payment, and they tell me yet again that Im not current, and Im 31 days late!!! Capital One has been playing games and making a fool out of me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
I was denied credit due to 1 ) low level of authentication indicative of First Party Fraud and 2 ) low level of authentication indicative of ID Fraud. I have no negative information on my account and have XXXX. I called Expedian to find out what that means and they put me on hold for over 15 mins without explanation or callback option.

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 2022-08-08
Company: EQUIFAX, INC.
State: SC
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 is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up recurring payments on my credit card for a monthly payment of {$50.00}. The payment did not go through on one month and I was assessed a late payment fee on my account. This was unfair because I should not be penalized for the bank 's failure to process my payment.

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 2019-04-02
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX. present address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut. XXXX I called Wells Fargo Dealer Services on several occasions to XXXX. XXXX. XXXX discuss this issue. My last contact by phone was on XX/XX/XXXX. I explained that the loan was charged off in XX/XX/XXXX and is showing on my credit as a bad debt. I immediately asked for the title to be mailed to me explaining its been 2 years since the charge off and I needed the title. The representative told me this could not be given and I needed to make arrangements to pay my balance of XXXX. 
Every time I call Im treated terribly. I stressed how this was ruining my credit. I mentioned how they were falsely charging me insurance fees with interest which they admitted to doing. I was compensated with a check of XXXX. However, the interest was never adjusted off the loan. Now the car has a transmission problem, after expensive repairs, etc its not driveable. I would like to junk the car and settle all expenses as Im still paying for insurance, taxes, etc. Wells Fargo Dealer Services are very abusive, rude, and intolerant. I am not able to communicate with anyone at this company. It is horrible! 

The car is a XXXX XXXX XXXX XXXX. Documents are attached with Vin #. I can be reached by email to 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 2019-04-05
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX represented by Selip & Stylianou , LLP put a hold on my bank account because they state I have a debt with XXXX on XX/XX/XXXX which was paid back in XXXX and it was paid to XXXX XXXX XXXX XXXX ASSIGNEE OF XXXX I send them the proof of my check being garnish by the Sheriff and they are stating it is not the same debtor and I only had an account with XXXX  '' XXXX '' is the bank for that store

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 2020-05-06
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding a debt that Commonwealth Financial alleges that I owe for {$660.00} from what they indicate on their invoice is from XX/XX/2015. They have not provided any evidence that I owe this from the original creditor and have also re-aged this debt so that it seems like it is a more current debt. 

FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. In my last complaint the company responded saying that they do not " Re-age '' debt, however the dates of reporting input by the Commonwealth Financial still show the debt as newer than the original date. 

FCRA Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. information on your account longer. 

Furthermore the age of this alleged debt is past the State of California statute of limitations regarding credit debt which is 4 years. Also the creditor is obligated to provide proof that they own the debt or has been assigned the debt and provide a copy of a statement from the original creditor along with a payment history from the original creditor. I want this false and illegal reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
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:
They keep calling for a XXXX but she no longer owns this number. i've asked to be removed 37 times but they keep calling for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, XXXX, BMO Harris closed my checking account with no communication that it would do so. In many unsuccessful attempts, I have tried to get information as to what had happened during this closing of my checking account. 

On XX/XX/XXXX, I had a phone call with a XXXX XXXX of BMO Harris which she confirmed in a XX/XX/XXXX letter. The letter has no return address or email address. Only a phone number for leaving voice mails. In the XXXX XXXX phone call, I had asked XXXX XXXX what had happened to the missing BMO Harris check which I was advised was mailed to me in early XX/XX/XXXX upon closure of my checking account. XXXX XXXX in the XX/XX/XXXX phone call said she would get back to me with the status or what had happened to that missing check. 

Today is XX/XX/XXXX and I have not been advised by anyone at BMO Harris as to what had happened to that missing check. 

Previous attempts to reach XXXX XXXX at BMO Harris via phone were not successful. In a previous voice mail left, I gave my email address and no emails have been received. In my opinion, BMO Harris communicates with the public only via responding to CFPB complaints.

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 2017-12-03
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a " request for full file disclosure '' by mail using the form provided by LexisNexis over 80 days ago during the first week of XX/XX/XXXX. Including a copy of my current drivers licence ( NYS ) and a current copy of my current bank statement ( XXXX XXXX XXXX XXXX ). I received no response from LexisNexis. 
On XX/XX/XXXX I submitted a second request including the same information and required documentation to verify my identity and address. Again receiving no response until today when I received a letter dated XX/XX/XXXX. Which states " You recently requested your full file disclosure '' and " because we have not received enough information to authenticate your identity, we are unable to fulfill your request. ". Included was another of the same form previously used to submit my request. 
I believe these extreme delays and the response of LexisNexis is inappropriate and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express frozen all my Membership Reward Points in my account. This is unacceptable, I have more than 6 credit cards with them. 

I always pay my credit cards on time and my annual fees. ( Including my American Express Platinum {$550.00} and American Express Gold {$250.00}. ) I don't understand why the company is taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Eastern Account Systems of Connecticut, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Signed up for XXXX XXXX XXXX XX/XX/XXXX. Tech hooked up service at like but did not receive modem to use service. After several attempts to obtain modem, I got frustrated and cancelled service. when I cancelled XX/XX/XXXX, local office said they can cancel but can not take care of Bill that was {$66.00} roughly. I contacted customer service line shortly after and spoke to billing dept. They stated it would be taken care of. I moved out of residence shortly after and thought it was taken care of. I received an email early XXXX about disputing. I did dispute and don't remember receiving a reply about it after. I checked credit report XX/XX/XXXX and saw derogatory statement. I contacted XXXX and they said it had been sent to XXXX XXXX XXXX collections. I called and they said my dispute was denied earlier in the year. I asked if I was ever contacted about Bill not being resolvex. They stated they sent mail that was returned multiple times. They stated they called XX/XX/XXXX at XXXX. As I am a XXXX, I do not carry phone while working. They said they couldn't leave voicemail. They also said they called only once because that's all they are required. I asked while I was never notified of Bill via email. They had no answer. I also asked why I was never notified of dispute being denied. They had no relevant answer. 

I wouldn't mind paying the {$66.00} Bill if I ever had access to the services. Because I could not obtain a modem, I was never able to use the internet service. Not one single time. I refuse to pay for a service that I could not use. 

Their initial hookup stated the technician should hook up devices outside and inside of the house. They did not provide services stated in frontier website. I will continue to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: U.S. BANCORP
State: MO
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:
In XXXX XXXX, U.S. Bank opened or allowed to be opened a premier line of credit ( account number ending in digits XXXX ) without my permission, consent, or signature. Attempts to address this issue with U.S. Bank resulted in a harassment call from an attorney in their fraud department ( contact was from XXXX, call dated XXXX/XXXX/XXXX @ XXXX ). 

I also visited a U.S. Bank branch on XXXX/XXXX/XXXX ( XXXX XXXX, MO branch - manager XXXX XXXX ) and inquired to see a copy of the original application for credit. I was informed that despite my name and personal information being attached to this line of credit that U.S. Bank would not provide a copy of the original application for credit unless required to do so under subpoena. 

U.S. Bank has been completely unhelpful and are acting solely in their own interests after it appears they engaged in illegal and fraudulent creation of a credit line using my personal information.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: CA
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  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  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 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