BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: BRite Financial Services, 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 have disputed accounts several times with XXXX  ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : BRITE FINANCIAL - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have 56 inquiries on my credit report and have no idea where they came from???!!! I want them removed. 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 explanation
Consumer complaint received 2019-09-26
Company: General Motors Financial Company, Inc.
State: TX
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:
GM FINANCIAL is reporting my account XXXX as late in XX/XX/XXXX on my XXXX   report. I paid this loan off in XX/XX/XXXX. 
I have disputed this with XXXX, with no success. GM reported back to XXXX that the information is accurate .... it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: MO
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:
I was redirected to a site with a preapproval for Chase Manhattan Bank credit card. I didn't know that my information was auto filled and submitted for this offer. I now have a hard credit check on my credit report and I don't think I should have to be penalized for the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
I have disputed an XXXX account on my report multiple times and Equifax claimed to verify/update the account. The claim was NOT TRUE. I sent a factual disputes to them showing the error on my reports and showing the inaccuracies between them and XXXX requesting them the delete the account multiply times because they failed to report the account accurately in prior requests THE DID NOT. I filed a complaint last month adding the screen shot of the inaccuracy showing on my report and THEY COPIED the HIGH BALANCE from the screen shot to attempt to solve the CFPB complaint but they did not investigate anything they just updated the XXXX  account show what the XXXX report high balance showed on the screenshot. They also reage the account stating the 1st date of delinquency was XX/XX/2021 which is inaccurate. They are still reporting inaccurate information and disregarding the request for the information to be deleted because they can't provide accurate information. They are violating the FCRA regulations and I will contact a lawyer next if they continue to disregard the law in reporting this inaccurate account instead of deleting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter disputing an error I sent a letter requesting method of verification No action was taken

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 2022-12-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AND SOMEONE OPENED THIS FRAUDULENT ACCOUNT WITHOUT MY AUTHORIZATION. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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 XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2019-11-07
Company: Experian Information Solutions Inc.
State: MI
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 complaint is against Experian.com which is one of the big three credit bureaus. I purchase Experian membership which is {$24.00} a month which shows you everything on all three credit bureaus. I seen my student loans accounts closed on my Experian account for all three credit bureas closed instead of open. They don't suppose to be closed and there reporting positively. I contacted XXXX  and XXXX both told me the accounts are open and seen them for myself even the one on Experian was closed that suppose to be open as well. I turnaround called the two student loan companies which is XXXX, XXXX both told me the loans are still open in great condition and nothing has changed. Experian told me it could be a error in the membership but its been weeks and ever got back to me after I sent them over the documents and nothing never got fixed.

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 2021-02-08
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:
This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

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 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
IN 2017, IOPENED 5XXXX BASED COMPANIES, DUELY REGISTERED WITH THE CALIFORNIA BUSINESS REGULATING AGENCY AND IPROCEEDED TO BANK OF AMERICA TO OPEN 5 BUSINESS ACCOUNTS IN THE NAME OF THE 5DIFFERENT COMPANIES FAITHFULLY FOLLOWING THEIR LEGAL REQUIREMENTS.BUT TO MY SURPRISE AFTER A FEW DAYS OF OPENING THE 5 DIFFERENT BANK ACCOUNTS, THE BANK OF AMERICA CLOSED THE 5BANK ACCOUNTS WITHOUT GIVING ME ANY VIABLE REASON AND EVEN WENT AHEAD TO PLACE AN INDEFINITE LIFE BAN ON ME EVER OPENING AN ACCOUNT IN BANK OF AMERICA.AS A XXXX   OF THE XXXX WITH A CLEAN HISTORY AND INTEGRITY, ICONSIDER THIS ACT OF BANK OF AMERICA BARBARIC, UNJUST, SADISTIC AND EXTREME MISCARRIAGE OF JUDGEMENT AND WANT TO ASK THE CONSUMER FINANCIAL PROTECTION BOARD TO USE ITS GOOD FULCRUM TO PREVAIL ON BANK OF AMERICA TO REVERSE ITS EXTREMELY CRUEL AND SADISTIC INHUMAN DECISION ON BARRING ME FROM OPENING AN ACCOUNT WITH BANK OF AMERICA WITHOUT ANY REASON.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 explanation
Consumer complaint received 2017-12-13
Company: Miller, Stark, Klein and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
late this afternoon, I received a phone call from Chase verification number XXXX that someone pretending to identify as me, is still and tries to buy a car at XXXX. and they are suspicious at Chase and wanted to check I told them on the call it is not me I have never tried to buy a car in years and this is not me and its a fraudster. Chase gave me a reference XXXX for the matter and I will report this further tomorrow since its night time already but I wanted you to also investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was first contacted by this Company Aldous & Associates about a debt to XXXX XXXX XXXX which has already been disputed and found fraudulent by my bank as the membership had been cancelled, they confirmed, and they had continued to withdraw fund from my bank, XXXX XXXX XXXX XXXX. The collection agency contacted me repeatedly, I told them to only contact me via writing, and not to phone again. I sent them all the back up documentation and disputed the debt on XX/XX/XXXXby Certified Mail. Today, XX/XX/XXXX, they contacted me repeatedly calling over and over again, six times in less than XXXX XXXX. They sent me a letter with the contract ( which was never disputed ), and I had provided evidence of cancellation and communication with XXXX, showing i did not owe the debt. I also sent them a 2nd dispute letter, and again attached all backup documentation. They continue to call, and repeatedly each time. I have informed them that they can not call over and over and that they are harassing me, and they couldn't care less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX, complaint XXXX. The lender responded with mortgage documents from the origination of the mortgage. Upon conducting our own research we found a modification recorded with official records XX/XX/XXXX. The modification gives a fixed rate of XXXX XXXX We would like clarification that in a subsequent modification review, the loan reverts to the origination paperwork and not the modified paperwork. We have attached the modification for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed accounts several times with Transunion ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. Transunion continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also 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 explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been contacting Transunion regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for Transunion to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.

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: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Amex Gift Card.

I was given an Amex gift card in the amount of {$300.00}.

When I tried to apply it to my {$800.00}. hotel bill, Amex would not approve the transaction.

Tried for {$250.00}, NO.

Tried for {$200.00}, that was approved.

The following day at the hotel Amex approved {$50.00}. 
Since then no matter where I try, they refuse the charge. The balance on my card is {$50.00} Calling the phone number on the card is automated.Ca n't reach a person.

Go on the listed website on the card, no help.

Called the regular phone number for Amex, and the agent could not contact a. live agent, and found it impossible to help me.

Looked on line and saw 179 negative complaints about Amex gift cards with just a one star rating. 
My gift card number is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting before XX/XX/XXXX, we have been paying our mortgage using our bank 's billpay option. We pay half on the first and then the second half when it is due on the XXXX. We overpay our mortgage by {$100.00} each month and pay biweekly to cut down on the accrued interest. In the fall of XXXX, we were notified that our first payment of the month was put in a suspense account and would only be applied when the full amount was received. I called and spoke with the company and explained our payment process and at no time during that call ( or subsequent communication ) was I informed that this was a problem. 

We continued to make our monthly payments ( and overpaying by {$100.00} each month ) and have never been late. 

In XXXX of XXXX, we attempted to get a loan and the bank alerted us to 4 " late '' payments on the Ocwen account in XXXX. It is concerning because we have paid on time, every time and have overpaid. We had an established method of payment for 6 months prior to being marked late and nothing changed on our end. 

We have called 10 plus times this month and discussed with Ocwen representatives, who at first said they would not change their reporting to the credit bureau because they would incur a fine. After we faxed documentation supporting our claim ( mortgage statements and bank withdrawals ) they agreed and were recommending our account to be corrected to show our payments were made in full and on time. To date, they have not honored this recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft 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 explanation