BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
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 am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2020-11-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to resolve the acount and they where extremely negtive ... They kept giving me deadlines and tell me that they would note the account as a refusal to pay. I did end up paying the account. But I would have appreciated a little more courtesy and friendly tone.

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 2020-07-12
Company: CFAM Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
CFAM Financial Services LLC threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is CFAM buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive.

CFAM never sent account or balance updates and misrepresented the Amount due on numerous official documents.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-23
Company: Opportunity Financial, LLC
State: MN
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 installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX  continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXX, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They terminated my account saying I violated their terms. They refuse to tell me what violation and will not issue my funds to me that they are holding. A roommate sent me funds for his portion of the rent and they are holding over 500 dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the account holder for routing number XXXX XXXX XXXX and checking account number XXXX XXXX XXXX XXXX The problem is that repeated charges are applied and posted to my my account in the same month. 
I am a social security XXXX recipient since XX/XX/2014 with ssd. Gov. 
Also my account ends in negative balance every month. 
Is someone hacking my account. 
Why is my account incorrectly managed?

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 2020-09-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent in a dispute to Experian for XXXX/XXXX  acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation.  Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported

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 2018-02-17
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection account was placed on my credit however, I've never applied for credit with this company as they stated it was within the last year. I was just informed via XXXX XXXX of this change to my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.

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 2023-01-02
Company: EQUIFAX, 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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: WI
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 CRA lists a Bankruptcy on my consumer report. When asked to verify, they first claim the court notified them. Then they claim that they verified through a 3rd party CRA.

However, I've contacted both XXXX and the US Bankruptcy Court. I have attached both letters stating that neither of them validate or confirm public records and that a Bankruptcy would be public record. 
Therefore listing a bankruptcy on my consumer report violates the FCR section 623 ( a ) ( 5 ). This particular section states that when a CRA can not verify or validate the information with the original creditor that the CRA must delete said information from the consumer 's report immediately.

I've attached a copy of both letters, one from XXXX  and one from the Bankruptcy Court confirming that they do not validate or verify bankruptcies and that they do not validate or confirm public record information due to the privacy law regarding The Fair Credit Reporting Act. Having the bankruptcy listed violates my rights and commits an FCRA violation. I've attached a copy of said FCRA section 623 ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
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 am being accused by EXPERIAN of not sending my own complaint, which I XXXX XXXX XXXX did in reference to Identity theft, and fraudulent accounts reporting onn my credit report. Again I have attached a copy of my social security card, and driver licsense

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 2018-09-23
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2018, a {$560.00} charge from XXXX, XXXX, TX appeared on my credit card account. I notified the credit card issuer ( Synchrony Bank ) by phone that I had not made the purchase and apparently my card number had been stolen. The customer service representative that I spoke with said they would close the account immediately, issue me a new card with a new account number and that I would not be liable for the charge. 

I received a new card and my transactions were moved to the new account number, I was also issued a credit for the {$560.00} charge. I also received a form in the mail from the Fraud Division of Synchrony Bank with questions about how the theft could have occurred. I filled it out, signed it and returned it by mail to the company. 

I thought nothing more about it until the same {$560.00} charge reappeared on XX/XX/2018 on my online statement. I immediately contacted Synchrony Bank Customer Service who said it was the XXXX charge and gave me a phone number for the Fraud Division and said I should call them. I did and the representative that I talked to said I had been issued a credit for the {$560.00} charge twice by mistake, once from XXXX and once from Synchrony Bank and that I would have to pay the {$560.00} charge. 

I checked my statement for XX/XX/2018 and found that while there were two credits ( refunds ) of {$560.00}, there were also two charges for {$560.00} which would have offset the credits. 

I've ran the numbers on my purchases and charges for my account and I do not owe Synchrony {$560.00}.

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. 
Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called Chase bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need this amount to be returned into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Early Warning Services, LLC
State: CT
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 Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
DISCOVER PRIVATE STUDENT LOANS -I TRIED SETTING UP A PAYMENT PLAN AFTER BEING DENIED A FOREBEARANCE. I INFORMED THEM I WAS HAVING A COMPLICATED XXXX. PHONE CALLS WERE MADE THREATENING MY CO XXXX AND JUST RECENTLY EMAILS WERE SENT TO A FAMILY MEMBER THAT HAD NO KNOWLEDGE OF THE LOAN. HOW HER INFORMATION WAS OBTAINED IS A MYSTERY. SHES IN THE FAMILY BY MARRIAGE NOT AN ACTUAL FAMILY MEMBER, SHE SHOULDNT KNOW MY PERSONAL BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Credit Plus 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
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:
My past two credit reports have come low. It says this is because my oldest account has been closed. But this is not true my oldest account is with XXXX with whom I also have a credit card and have been regular in its payments.

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 2020-09-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On paid and additional Principle payment to Wells Fargo on XXXX and it posted to my accound {$140.00}. This lowered my account balance to {$430000.00}. However, when my loan transferred on XXXX the balance was {$430000.00}. I contacted Wells Fargo who indicated that the money was transferred to XXXX and that they could do nothing. I then contacted XXXX who told me the issue was on Wells Fargo. My money now is in an unknown area and no one can help me. Ive spent over 16 hour on phone calls to no avail.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: MD
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:
credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible

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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company

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 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is my 2nd complaint against Bank of America. The issue started back on XX/XX/18 I deposited a check for {$660.00} and Bank of America is saying the check was returned. However I have provided them proof that the check cleared and also had the other financial institution contact them to advise the check did clear and they need to refund my account. I have emailed, called them and so has XXXX XXXX XXXX XXXX. yet as of today my account is still showing overdrawn by {$660.00} They received the funds from this check on XX/XX/18. How can they legally do this? Especially since the other financial institution where the check came from already provided them proof that it cleared. This seems like Fraud to me. My last complaint was closed, and I don't understand why when I did contact B of A and told them I submitted this. How are they getting away with doing this?

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 2023-04-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, has violated my rights. 

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

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

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