BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This issue is with Bank of America Back prepaid, in XX/XX/XXXX I filed a fraud claim regarding fraudulent charges on my debit card and the claim # XXXX, after filing this claim I was told by the representative that I should get my new debit card in 5 to 7 business days, this days passed I didn't get no debit card so I called bank of america to find out why I have not received my debit card, the debit card was never ordered representative told me but there are new charges happened on that debit card that I was told was never ordered and that card number was XXXX and claim was opened claim number XXXX. After a while I received a letter from Bank of American prepaid on XX/XX/XXXX for claim # XXXX stating the Bank of American completed the investigation in my favor and the previously issued credit is now permanent that's on the letter and On XX/XX/XXXX I got a letter from Bank of American prepaid for the 1st claim XXXX and the letter says we have completed an additional review of your case and concluded that our original decision was correct no posting error has occurred on you accound. So claim XXXX 1st letter said claim in my favor and credit is permanent after 10 months later i get the 2nd letter on that same claim XXXX saying claim denied. 2nd claim XXXX 1st letter says claim is in my favor and after 6 months later XX/XX/XXXX I get the 2nd letter saying the claim is denied. so claim XXXX 1st letter says decision in my favor the credit is permanent and 6 month later I get the 2nd letter saying claim XXXX denied.

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 2022-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXXEquifax Mortage Service/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am and have been a victim of identity theft which you will see in my report . 


15 U.S.C. 1681 section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because PRO COLLECT has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2022-09-01
Company: M&T BANK CORPORATION
State: CT
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:
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: IL
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:
The Credit Bureaus never did a proper investigation according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
That did not happen. 

Also, they violated the law because according to 15 USC 1681A ( 4 ) They did not respect my right to privacy. 

15 USC 1681B ( 2 ) I didnt instruct them to furnish this report or to create this report and I never consented to this report in the first place.

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 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$390000.00}

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 non-monetary relief
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan w ith OCWEN. We  sold our house and had new financing and we 're going to pay them off. We had a closing date and the payoff amount. Once we closed the loan and they were paid off, about  two  months later it showed on my credit report that I ha d missed two pa yments to them. Which my title company and I were told not to worry about because they knew of the closing date and we had the exact payoff amount. I have tried to contact them numerous times to get this removed from my credit report and they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
My Bank of America account shows wrong payment history in my all my credit reports. when it comes to late payments rather than showing XXXX, XXXX, XXXX XXXX, XXXX my report shows XXXX. Showing all the wrong dates. 






15 U.S. Code 1679c - Disclosures Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credi

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 2019-07-18
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I test drove this car for 7 days and sent it back and they still have this open contract on my credit report for a car that I do not own. And they verified my Dispute I did with the credit bureau as accurate and it is inaccurate. I do not own this car. Why is this still in 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 explanation
Consumer complaint received 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ONCE AGAIN CAPITAL ONE BANK AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We applied and were approved for COVID forbearance. XXXX XXXX has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXXXXXX XXXX failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau XXXX To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

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 non-monetary relief
Consumer complaint received 2017-08-29
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Beware of World Finance Corporation XXXX, Texas : Last week, I visited this establishment and did not obtain an account with this company. 
From the beginning, as I walked into this store it was unpleasant. We waited for quite some time to speak with someone. There was a manager just sitting at an empty desk not helping any of the customers that were patiently waiting. Finally, I was called up to the desk, by the branch service representative by the name of XXXX XXXX that asked what was the reason for my visit. I explained to her that I wanted to apply for a loan in the amount of {$200.00}. She proceeded to fill out the application for me by asking me the questions that were on the application. Then afterwards she started running my credit report without informing me. So I asked her what she was doing and she said that she was running my credit report. I asked her why did n't she inform me of that and she stated that it was an implied action that your credit is run when you go to a company to apply for a loan. She stated that I was not approved for the loan. She wanted to hand me some documents that showed what she did and I did not accept anything from her. I am a homeowner and I do not appreciate someone running my credit report without informing me. I felt totally violated. The action that I am taking is submitting this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 company has been asked to validate the XXXX account on my report and has not done so in over 30 days. I feel neglected, unheard, and mistreated seeing has this is not my first or second attempt in getting this account off my 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
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Based on my previous complaint : XXXX, I listed two account from XXXX XXXX that were showing on my report. One was deleted but XXXX XXXX Account : # XXXX is still showing on my report. 

I believe this my have happened because I incorrectly uploaded the same picture twice. 

I am a normal consumer while this may have been a simple mistake on part by uploading the same picture twice... ..My complaint clearly stated that I want both account deleted from my credit report.

If I must reiterate the laws again : 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. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

I do expect full cooperation since the first account was deleted. However the laziness of the credit bureau and obvious concern for themselves and NOT for me the consumer is alarming. 

And if this account is not removed I will take the appropriated steps thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: UNITED COMMUNITY BANK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..

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 2022-08-09
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company NCB Management has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe XXXX company Ive never XXXX any contracts with NCB Management .

Company response to consumer: Closed with explanation