BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Collection Bureau of America Ltd.
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 am disputing the collection in the amount of {$320.00} that was reported to my credit report. I had two delivery address with XXXX   XXXX XXXX. After Hurricane Harvey, we moved out of our home and no longer needed the delivery service at our home. XXXX picked up our water cooler and remaining water bottles. After the equipment was picked up, I called XXXX  several times because my auto draft was still being charged for the equipment at my home that had picked up and cancelled. After several months and calls into XXXX, I had a rep finally close out that account and stop the auto draft and credit my account for the over charge. At this time, I assumed every thing was complete. I received a collection letter in XXXX regarding a past due account. When I called them, I was told to send an explanation letter and they would get with XXXX  to remove the collection. I received an update in XXXX showing this was placed on my credit reports for an unpaid collection. I have contacted the collection company, who states that they are still waiting on XXXX  to respond to my inquiry. I have tried to contact XXXX   directly, but they will not speak with me because the account was sold to collections. I have no idea what this charge if for, nor do I owe this amount. I currently still have an account with XXXX  for our business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

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 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WI
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 received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit report. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I went in to the Victorias Secret store on XX/XX/XXXX. There was a promotion to apply for a VS card and save {$25.00}. I asked the cashier which credit bureau was going to be used because I have a freeze on my credit report and need to call to have it lifted so they would be able to pull my credit report. The cashier said she didnt know and that I should try and if it doesnt go through to call the customer service number. The application stated that it was pending and the cashier gave me the number for customer service. I called the number and explained what was going on. The CSR said that I would receive a letter in the mail with a code that I needed to call and provide to VS. I asked her what would happen since the promotion for the {$25.00} will end on XX/XX/XXXX. She stated that since I applied during the promotional period the {$25.00} will be applied. I received the letter in the mail that I need to lift the credit freeze and reapply for the VS card within 30 days. I called customer service and they are now saying that the {$25.00} off promotion would not be honored and that I would instead be getting todays promotion which is {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Shellpoint Partners, LLC
State: CA
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:
Shellpoint Mortgage Servicing has indicated that my mortgage, # XXXX is " 120-149 '' Days Late from XX/XX/2020. That is FALSE. This account is current and was never late and protected under the CARES ACT Forbearance. The attached Letter from Shellpoint Mortgage Servicing proves I was under Forbearance from XX/XX/2020 through XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do 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 explanation
Consumer complaint received 2020-09-11
Company: Eagle Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX of this year they sent a sheriff to my home they don't communicate well. I entered into a payment arrangement in XXXX to prevent a wage garnishment. I lost my job and my brother around the same time. They are extremely predatory. They offered a settlement amount of {$1100.00} in XXXX and told me any payments I made would go towards that amount. They are now telling me in order to settle I need to pay XXXX they have began garnishing my check for a total amount of {$3600.00} I only borrowed around a XXXX from them and actually paid that loan down. They are taking advantage of me. This loan was taken in 2014 and they have already charged it off. I'm trying to make this right but they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 Bank of America closed my account without warning. My ending balance was about {$11000.00}. When my debit card declined at the store, I called my bank and they informed me of the account closure. OnXX/XX/2020 I was told that a cashiers check with my ending balance was mailed out. XX/XX/2020 I was informed that no check was sent but that it was being held in the back office for review. I have no had any access to any money because of this! I am behind on SEVERAL bills. I am at risk of losing 2 storage units because I can not pay them without my money. I have a hired attorney that is threatening to withdraw off of my case because I can not pay him due to not being able to access my money! I am also at risk of having my license suspended because I can not pay car insurance. I have since spoken to my bank and nothing has been done yet! I still have no money. I  havent been able to even grocery shop for my children at all either. I am not going to continue to go back and forth with the bank about this issue. I need my funds asap

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 2020-09-11
Company: EQUIFAX, INC.
State: TN
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 first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with Equifax and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Billing dispute for services

Complaint:
TransUnion began charging me $XXXX/mo after signing up for a basic credit freeze. We didn't discover this until we needed to unfreeze the account temporarily.At that point, Transunion could only refund the prior 90 days, so we fraudulently charged for two months of service

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 2017-09-22
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer Credit Recovery XXXX XXXX XXXX. 
XXXX, NY XXXX Has been contacting people who served on my children 's schools PTA and telling them that I have an outstanding debt. They have been giving them account numbers and identified themselves as debt collectors.

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 2023-05-16
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime banking let someone fraud my account XX/XX/XXXX at XXXX XXXX  and XXXX XXXX  for XXXX twice for merchant XXXX, I have been unable to get to my money back nor a credit to my account i dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: NIC, Inc.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I sent a letter to Capital One letting them know that i had recently learned someone had opened a credit card under my name with their company. They refused to acknowledge stating i had not sent sufficient proof. Therefore, I sent another letter along with my police report and my identity theft affidavit and they once again refuse to acknowledge by sending the same letter. Capital One is violating my rights as an identity theft victim by failing to do a thorough investigation and sending me generic letters to cover their part in saying they responded within the limit. I am attaching the letter I sent to them along with their generic letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to close out my forbearance with Mr Cooper for well over ( 2 ) two months with no success. I have made over a dozen attempts to settle my account with their company and every representative claims they are unsure what to do and that I would receive a call from upper management. I have yet to receive a call back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy

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 2018-04-03
Company: U.S. BANCORP
State: WA
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:
Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report. 

A few months ago, I found a new address in Minnesota listed on my XXXX report, which it says it got from U.S. Bank. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that XXXX  refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and XXXX  just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Complaint CHASE SECTION 1 : CHASE claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put CHASE on notice. 

I gave CHASE an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a XXXX  account, aka the XXXXXXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX , making I the ORIGINAL CREDITOR of any transaction that took place. CHASE never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION 2 : CHASE has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. CHASE admit that I am the original creditor and source of the credit being utilized. 

2. CHASE leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

3. CHASE reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

4. CHASE pay for all fees and fines associated with this matter. 

5. CHASE pays me {>= $1,000,000} in damages. 

6. CHASE is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked XXXX XXXX since XX/XX/2015 to provide written proof of the alleged debt, and I to this day have never received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief