BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account has been compromised I am a victim of identity theft I have contacted bbva multiple times to ask for help in this matter and advise them of transactions I did not authorize have been charged to my account. It has been an ongoing month long battle with customer service and the fraud department to fix this. I call once a week sit on the phone for hours with different reps and supervisors who all have not been able to resolve this matter. Now I am being penalized and my account is being closed in 30 days for something I had no control over. After being a 10 plus year patron of this bank my account is being closed and not replaced. When I am the victim in this I am losing my account, I all ready loss money that BBVA still has not retrieved from the thief that gained access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: KEYCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I made 1st payment before receiving a billing statement in the amount of {$170.00} 2nd billing statement payment due {$170.00}, {$79.00} interest, {$91.00} principal. 
There is a problem with this interest the rate is 6.09 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CURO Intermediate Holdings
State: TX
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 XXXX XXXX do not nor do I recognize an account with Ad XXXX XXXX XXXX- File # XXXX. 
Nor do I acknowledge that I owe them a debt or any amount of money. 
I have previously sent them a cease and desist letter to stop reporting inaccurately on my credit reports but they persist. 

They sent a letter admitting that they are not the original creditor and have no contractual relationship with me. The amount listed is incorrect and and so is my social security number they have listed which I'm not sure where they got that from. 
This could be a form of ID theft since I believe this was originated online. 

I am attaching the cease and desist letter that I sent them originally and the response letter they sent. It shows no original documentation. 
No chain of title if account was purchased. No signatures by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: DISCOVER BANK
State: OH
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 was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company XXXX XXXX located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX, I have the Bank of America Better Balance Reward card endingXXXX. I receive a letter from BOA stating that my card will be converted and if I continue to make qualified purchases from XX/XX/XXXX to XX/XX/XXXX, I will get {$20.00} statement credit. However, I do have a qualified purchase on XX/XX/2023, but until now I still not see the credit on my account. Please issue the {$20.00} credit to my account as advised. Thank you!

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 2023-06-14
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:
When I pulled my report I notice that there were accounts appearing on my report that I am not aware of where it came from. Listed below are the items that I wanted to be deleted from my report due to identity theft. 
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

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 2019-06-05
Company: EQUIFAX, INC.
State: DE
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 a credit freeze on with all three reporting agencies due to leaked personal information by several sources. I used to be able unfreeze my credit by using my pin but can no longer do that and I've had nothing but trouble trying to get into my account with Equifax due to errors they made with my personal information. 

Per their instructions back in the beginning of XXXX, I faxed a letter with the corrections to be made. After not receiving a response, I called multiple times over from XX/XX/XXXX through XX/XX/XXXX trying to get the information corrected. It took over seven phone calls to Customer Service and Global Consumer Care to find out that while they did receive my letter back in the beginning of XXXX, they never updated the information. All but one piece has been updated - I can not get anyone at Equifax to correct my email address so I can reset my password on their website. Every time I call, their system is down for 'upgrades ' and I'm to call back 24 hours later. I even sent message through XXXX trying to get assistance. 

I would like to know if their customer service center is even located in the United States. I cringe at the thought of a foreign  call center knowing my personal information. Equifax should have been shut down after their proven failure to provide adequate protection of sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I XXXX XXXX consumer and natural person am aware of all rights that I have in which are protected by the Congress under the Fair credit reporting act FCRA. The account below has violated my federally protected consumer rights. 

15 usc 1681 A. states I have the right to privacy.

15 usc 1681 section 604 A. Section 2 also states that 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
Consumer complaint received 2021-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-06-14
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing? I was shocked when I reviewed my credit report and found late payment on both of my credit cards with you guys ; XXXX XXXX-30 Day Late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$150.00}

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 explanation
Consumer complaint received 2020-09-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I AM WRITTING TO YOU BECUASE MY MORTGAGE COMPANY ( SHELLPOINT MORTGAGE ) IS TAKING ADVANTAGE OF ME. AS OF XX/XX/2020 I ASKED FOR HELP SINCE I WAS AFFECTED DUE TO COVID 19. SINCE THEN SHELLPOINT MORTGAGE HAS LIED ABOUT MY ACOUNT BEEN UNDER REVIEW FOR A LOAN MODIFICATION.

LUCKILY I NEVER MISSED ANY PAYMENT BECUASE NOW SHELLPOINT MORTGAGE IS TELLING ME EVENTHOUGH I NEVER MISSED ANY PAYMENT SHELLPOINT MORTGAGE ORDER A BROKERS PRICE OPINION AND PLUS THEY WILL CHARGE ME EXTRA FEES TO REVIEW MY REQUEST FOR A LOAN MODIFICATION DUE TO COVID 19.
I SPOKE TO SHELLPOINT MORTGAGE IS TELLING ME THAT I AM RESPONSIBLE FOR THE COVID 19 FEES LOAN MODIFICATION SINCE THEY ARE ABLE TO CHARGE ANY HOMEOWNER THAT APPLIES FOR THE PROGRAM. 

I BELEIVE THIS IS UNFAIR AND SHELLPOINT MORTGAGE IS TAKING ADVANTAGE OF HOMEOWNERS SITUATION THAT WAS AFFECTED DUE TO COVID 19.

PLEASE HELP SINCE ALL MY PAYMENTS HAVE BEEN MADE ON TIME SINCE THEN AND I FEEL SHELL POINT MORTGAGE IS JUST TAKING ADVANTAGE. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXXXXXX 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 an 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 moreover 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief