BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a checking account at Peoples United Bank, XXXX MA branch under a {$200.00} marketing promotion. The requirement to receive the {$200.00} bonus was : Direct Deposit of {$1000.00} or more at least monthly for 90 days. My banker at the account opening said that 3 consecutive months of direct deposit of {$1000.00} would qualify. I met the requirement, with direct deposit of over {$1000.00} in XXXX, XXXX, XXXX and XXXX. Not receiving the bonus, I made an electronic inquiry to the bank on XX/XX/XXXX. XXXX from the bank replied that she would get back to me on XX/XX/XXXX. Which she did not follow through. I sent her a reminder message. On XXXX, XXXX came back stating that I did not qualify quoting a strange reason by the end of XXXX. I asked her to double check because her quoted reason was not in the requirement ( and in fact, nobody can meet that if it were in the requirement ). On XX/XX/XXXX, she replied back that I need to talk to the bank. At this point, the bonus is way over due and I do not see a sincerity the bank is going to honor the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.

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 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for Capital One Bank USA N which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late. 
c

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I logged in to my B of A website to bring the account current for XXXX. A page appeared entitled REDUCED PAYMENT PROGRAM. It offered to reduce our payment from {$190.00} to $ 91 monthly and the interest rate to 2.50 % for a period of 60 months. I checked the ACCEPT box at the top and submitted a payment of {$91.00} which was cashed on XX/XX/XXXX, thereby finalizing the enrollment process before XX/XX/XXXX as required in the contract. I signed at the bottom agreeing that I was entering into a binding contract, and they then closed my account as the contract stated they would. 

They then immediately submitted a derogatory credit report stating I had not made a payment in XXXX which was untrue their own website reflects receipt of two checks in XXXX : {$180.00}, an {$91.00}. I called the office and the call was handled by four different agents, all four of whom practically called me a liar, all four stating that B of A has no such program and that I had not signed a contract. I was told that if I could find the contract I should submit it. Well, here it is attached. The post to my credit report states that the account is CLOSED and the balance of {$4800.00} is CURRENT as of XX/XX/2023. 

I have a signed contract that calls for {$91.00} payments but ALL B of A employees deny they have such a program. The account is CLOSED according to XXXX which ruled in my favor when I didputed the XXXX misinformation and I certainly feel I deserve a letter of apology for false credit reporting which caused XXXX XXXX score to drop XXXX XXXX. They now have again falsely reported I didn't make a XXXX payment. They have destroyed my credit as I have an EXCEPTIONAL PAYMENT RECORD.

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 2022-01-14
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2022-01-16
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:
This is from an apartment I haven't lived in since XXXX. Out of nowhere they now call me 4-5 times a day and I don't owe them a dime. I moved out and never had a problem and now all of a sudden they are calling me over and over again. I never even heard of this company. Procollect INC. I have no knowledge of this company. I have disputed it twice and they continue to call at all times of the day. I am not responsible for this in anyway. I have called them back but they are extremely unprofessional and I am not paying for something I didn't do. Can you please help?

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 2023-09-14
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: AZ
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:
my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. 
I don't want anything to do with a company that has such wrong business procedures.

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 2023-07-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.

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 2019-12-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$370.00} -This is not my account.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-12-22
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
My Wells Fargo Account Was Paid Off But They Have Left The Wrong Information On My Credit Report For 11 Years The Account Should Be Removed It Is Too OldAnd A Medical Account That I Believed To Be Payed Off Has Also Been Left On 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 explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORXXXX 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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 capital 1 cards, as usual I pay them a couple days early, I go to the site every month to make the payments. Then they tell me I did make the whole payment {$20.00} short. 
Now they want {$140.00} Late fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been sued by Bank of America and the response to motion for summary judgment, letters to credit reporting agencies and attorney attached. 

1. Trying to Failing to remove negative credit reporting during period required by the FCRA and FDCPA.

2. Failing to provid
e me with legal document that gives authorization for Gurstell Law firm to collect on their behalf. 

3. Purposefully destroying the application audio after a dozen complaint calls to fix the interest rate charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: IN
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 reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Reporting Agencies such as XXXX, Equifax, and XXXX, along with the Financial Institutions XXXX XXXX XXXX and Credit Collections have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.

Company response to consumer: Closed with non-monetary relief