BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is with Bank of America. They are saying that I have one missed payment from 2018 which is untrue. My account was closed and they shut down my online account and stop sending me bills in the mail after I paid them off. Little that I know that they added a {$1.00} worth of interest and when I found out that it was late I had no way to get into my account because they had shut everything down. I eventually got the {$1.00} paid but now it shows up on my credit report that I have one missed payment from 2018 and it's affecting my report. I do not find it fair that this is on my credit report when there was nothing I could do to pay the interest rate because they closed my account and wouldn't let me in. Not to mention I didn't know I owe {$1.00} because they never sent me anything in the mail saying I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Late XX/XX/XXXX to early XX/XX/XXXX, I was receiving phone calls from Navient regarding that my payments for my student loans were now under delinquency. I had them under deferment period while I was getting my XXXX 's. Navient never once contacted me or my parents through mail, email or phone until after the bill was late by 90 days. I was never informed that my loan payments were due until I received a phone call telling me they were 90 days late. Because of this action on Navient I now have a delinquent account marked on my Credit Report that is inhibiting me from qualifying for loan repayment programs. I have contacted the company regarding the issue, and they are not helpful by any means. Ever since I was informed of my loans to Navient I have been paying over the minimum amount due monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: SG and Associates
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:
STAFFORD GROUP ASSOCIA is reporting an account in the amount of {$2300.00} on my consumer credit report. I do Not know this company. I have NEVER done business with this company. I have never signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party 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 2018-10-09
Company: EQUIFAX, INC.
State: CA
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:
I initially contacted my mortgage company XXXX XXXX to make payment arrangements XX/XX/2017. I was told since I was affected by a natural disaster I would not incur any late payments and my credit report would not be affected for XX/XX/2017, XXXX, XXXX, and XXXX. I had my credit report pulled in XXXX and discovered they had not honored the agreement. I contacted the company and then contacted all three credit bureaus. Two out of three have made the necessary corrections. Equifax just came back with the investigation and updated my credit file to show XXXXXXXX XXXX as a closed account with the remark " Affected by natural disaster Account acquired from another lender '' which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XX/XX/2016 {$1600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2021-09-26
Company: U.S. BANCORP
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: Personal information incorrect

Complaint:
I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. 

I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. 

XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? 

Ive never lived at either of these addresses. 

XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. 

XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. 

Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft

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 2020-07-16
Company: CITIBANK, N.A.
State: HI
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:
Authorized user purchased jewelry in XX/XX/2020. The cost was {$1000.00} for a " deposit. '' User did not receive the final product. She has never received the final product. 

I made a dispute with Citi and they found in the merchant 's favor. 

I wrote a letter to Citi to appeal, have not heard back. 

Willing to take merchant to court and have Citi employees as witnesses.

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 2023-06-30
Company: Affirm Holdings, Inc
State: PA
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My account was previously linked to XXXX & PNC unlinked it without my request or permission and now can not relink and I usw this service foe othwr financial including credit building

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I have been having a hard time getting disputes resolved with Capital One lately. I emailed the disputes but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I have called them, emailed them and have got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open. I just called Capital One and they said that the letter for {$930.00} dispute was also for the {$59.00}, {$2200.00}, and {$220.00}! I have been a long time customer of Capital One! Since when do they not take the side of your customer and actually ask the merchant about it.I submitted more papers online for the {$930.00} + {$59.00} charge. With this covid, businesses have been closed, we can't get our money back. I filed papers online and by mail ( which is how Capital One wants it ) for {$2200.00}. That's why I charge things to my credit card to make it easier for fraud or disputes. Please look into these charges because am still disputing them and they should be taken off. I have got nothing that the merchants responded to on these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
I want this incorrect information removed from my credit report. A collections from LVNV/Resurgent Capital Services, XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$620.00} Ive contacted the company moneygram several times on XX/XX/XXXX & XXXX when I noticed these transactions made through multiple cards and reported them as a scam. I did not authorize these transactions & believe someone was impersonating me. I have never been affiliated with moneygram & have never used their services. I did receive an email in return that specified that they would not refund any and all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX on my credit report ( XXXX, XXXX, equifax ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, Equifax and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, XXXX and equifax XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and Equifax removed but XXXX still didnt remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONAL CREDIT SYSTEM HAS ATTEMPTED TO COLLECT ON A DEBT THAT I DO NOT OWE. THERES AN APARTMENT IN ALABAMA THAT SOMEONE OBTAINED FRAUDULENTLY IN MY NAME, NOW A COLLECTION AGENCY IS TRYING TO GET ME TO PAY A BALANCE I DO NOT OWE. I HAVE NEVER LIVED IN ALABAMA. BALANCE IS {$360.00} ACCOUNT WENT INTO COLLECTIONS XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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 had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. Verizon did received payment and still report the account as DELINQUENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Velocity Portfolio Group
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Spring Oaks Capital, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Spring Oak Capital SPV, LLC has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and XXXX consumer reporting agencies. Spring Oak Capital SPV, LLC has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my credit score, and has caused me emotional distress.

I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
Spring Oak Capital SPV, LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, Spring Oak Capital SPV, LLC received a notification from the credit reporting agencies that the account was disputed. Spring Oak Capital SPV, LLC responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, XXXX, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXX XXXX  Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR XXXX OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH CELTIC BANK WHICH IS INDIGO. Which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Capital ServicesXXXX XXXX XXXX ( XXXX XXXX  ) I have requested information from the creditor due to a XXXX XXXX credit card ( XXXX XXXX ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16669 A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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