BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transactions : Transactions occurred that were not made by cardholder or approved user on the dates listed below at the location listed below. 

Location XXXX XXXX XXXX XXXX XXXX XXXX, California ( XXXX XXXX XXXX ) XXXX XXXX  - {$200.00} XX/XX/2023 - {$270.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$210.00} XX/XX/2023 - {$250.00} Bank of America has charged an use charge of {$2.00} per occurrence - total {$12.00}. 

Cardholder has since changed passwords and pins, and received new cards. 

Bank of America has reversed one transaction only and has denied the claim dispute for transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$780.00}

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 2022-07-15
Company: Experian Information Solutions Inc.
State: MS
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, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account 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 an account without my written instructions.

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.

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 2016-12-08
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had a credit card in good standing with Discover since XXXX. In or about XXXX they started charging me a credit protection fee with out my knowledge. I was a student at the time and my parents paid my credit card bills so I never noticed the charges on the account. In XXXX ii was in a class action suit against discover for charging me this fee and received a check for this situation however with out my knowledge they continued to charge my account up until I took over my bills from my parent in XX/XX/XXXX when i noticed this charge and called them to immediately remove it as i did n't authorize these charges.. Discover states I verbally committed to these charges. # 1 I was XXXX # 2 If I was in a class action suit why would you continue these charges after the lawsuit? # 3 I have called numerous time with people at discover stating they would credit me yet i only received a credit for XXXX and a letter stating they are only willing to go back 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Spring Oaks Capital, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named Springs Oak Capital, LLC keeps texting me about paying a debt that I don't owe. The texts state that I owe XXXX XXXX payments on an account originated by XXXX XXXX XXXX. I've never purchased merchandise from XXXX XXXX nor have ever opened an account with XXXX XXXX XXXX Springs Oak Capital, LLC sent me texts on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. The company 's phone number is XXXX. I've attached photos of the first text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Personal information incorrect

Complaint:
I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer.

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX sold my mortgage to Shellpoint Mortgage Servicing effective XX/XX/XXXX. There was a deferred payment amount of {$2300.00} that was placed at the end of the loan due to a Home Loan Modification completed in XXXX of XXXX. When Shellpoint took over the loan they tried to collect the fees and put them in past due fees. This has prevented me from making my payments online because an error message comes up that says you cant make payments when you have outstanding fees. Ive called numerous times and sent emails to customer service, each time I was told the fee would be moved to deferred payments so I would be able to make online payments. I was told the issue would be handled in 3-5 business days and its been well over a month and they are adding this fee to my mortgage payment. When I asked if they were reporting this amount to the credit bureaus as a past due amount I got no response. Before my mortgage was transferred I was able to make payments with no problems.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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
Consumer complaint received 2019-04-12
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX - Received Letter about debt from Peroutka, Miller, Klima and Peters XX/XX/2019 - Received Letter about debt from Peroutka, Miller, Klima and Peters about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXXXXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I closed an American Express Account and was given the outstanding balance which I paid in full. Tonight I went online to check on some charges on a different and found that there was an outstanding balance on the account that I had closed as well as a finace charge and late fee. I had several instances when? I had contacted Amex regarding this not receiving paper bills on this account and had requested that they resume sending paper statements, but I would only get the current statement and future statements would were not sent. I have an issue with a credit card company not notifying me in any way regarding my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Netspend Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I purchased a XXXX pre-paid MC Debit Card from the Gift Card Rack at XXXX XXXX for {$300.00}. I had some Cash that I wanted to use for a purchase online and since I already had a XXXX Acct I thought this was a valid option. The only real information visible on the packaging was that it was not a gift card. I was aware of that, however I thought it would work like a reward debit card for which I have had several and found them easy an convenient to use. It was not until I tried to activate the card that I realized that something was not right. Initially I explained that I purchased the card for a one time transaction and that I assumed the card was active until the balance was used. The answer I received was 'yes you can do that ' Turns this card had an expiration date of XX/XX/XXXX. Then I went through a lengthy credit interview and realize that this was a not what I thought it was. Because I had already purchase the card I felt I had not other option so I activated the card. Next I went the use the card and was unsuccessful. I conducted the transaction on XXXX where I now have an active Debit & Credit card to make purchases. The purchase I was making was {$340.00}, I wanted to use the entire {$300.00} balance on the Debit and charge the remaining balance {$40.00} to my credit card. That transaction failed, when I call XXXX support that's when I found out that the XXXX Debit card was not actually XXXX and that they could not help me. I ended up applying the entire purchase on my credit card. So over the last month or so I have used up the balance on the debit card on smaller transactions and have keep track of the balance. On the last purchase attempt the transaction failed because I was overdrawn. When I called them I was told that I was over drawn and had a - {$2.00} balance and that include the $ XXXX monthly service fee. When I told them that this is not how I thought this would work and that I acquired this card for a onetime purchase they said they would cancel the account. I said yes and the agent said ' one minute ' when she can back she said she took care of it. Then I said now I would like to pay off the {$2.00} balance she said I could not because she had already cancelled the account. So I never did use the entire balance on the card ( {$1.00} remaining ) The next day I received new XXXX prepaid Debit card in the mail with my actual name on it and a new account number and a new expiration of XX/XX/XXXX. I did not ask for this card and I have not activated it. 

Lastly I was not aware that this was a netspend acct. until I fill out the complaint. It was not mention in any of the documentation I have from them.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX and Experian are reporting student loan accounts as unfavorable/negative that have closed as of XXXX. The bill was reported late while in grad school. I attempted to explain this to the credit agency, but they refused to fix it. The other problem is the accounts are being reported twice paid as agreed, and potentially negative. I have asked XXXX to unlock my report as of XX/XX/XXXX, but they refused. Experian resolved the dispute in 5 days with no change to record because the company is no longer in business and is telling them we were behind on 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis XXXX XXXX XXXX XXXX, a LexisNexis Company has violated my rights under FCRA Section 604 ( A ) ( 3 ). This company continues to retrieve my public information from XXXX  and sell my public records to a variety of its customers, including consumer reporting agencies WITHOUT permissible purpose. LexisNexis XXXX XXXX XXXX XXXX has fraudulent sold and used my personal and private identity information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The statute of limitation in NY State for reporting Derogatory information is 6 years as per the NY State Constitution. TRANSUNION has refused to remove this particular out of date information described below. The XXXX XXXX account shown below XXXX XXXX Collection Account OPEN XXXX/XXXX/2010 {$2600.00} This must be removed ASAP as they are 5 months behind in their legal obligations XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank reported I was 60 days late for the past two months and when I called they said I was n't, so I needed to contact the credit companies and dispute them

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 2019-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
every year penny mac mortgage review XXXX my loan for taxes paid to local community for real estate. they then send a threating letter that if real estate taxes are not paid they will require escoret acct and charge us extra in the payment for the taxes. this occurs every year approx XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. our loan is conv 15 year loan which we took to quickley reduce the balance and pay the taxes ourselves. we pay quarterly or monthly depending on our income and expenses and allways catch up to date. 
last year and this year i have called them wrote them to explain that. they refuse to allow us to pay the taxes monthly or quarterly, and threaten escoret and foreclosure if not done.When we signed the loan, the purpose was know to both parties that taxes would be paid out side the loan, they never stipulated timing of when they needed to be paid. 

Penny mac XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Security Finance is harassing me with continuous phone daily on an account I have already spoken to them about. They call every day, even though I have talked to them about it and my understanding is they are not allowed by law to call me for 7 days after I talk to them. They have also called me more than 7 times in 7 days. I have voicemails to this effect. I do not dispute the debt, but I have lost my job and currently have no income. I told them this but they continue to call. Do I have any recourse to stop them from harrassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CORELOGIC INC
State: RI
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:
XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

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