BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: M&T BANK CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.

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 2020-09-10
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage dba XXXX XXXX purchased my Mortgage or, purchased XXXX Mortgage XXXX facts are unclear ). Upon purchase, I received a document stating that nothing will change within the Terms and Conditions of the Loan. To date, no new documents were presented nor signed. For the year 2020, I was not sent an Escrow Statement by XXXX. Instead, I logged in to my account in XXXX to make a payment and notice my mortgage amount had increased without my knowledge. It took me contacting the company to receive a statement and I paid the shortage amount. 

XXXX XXXX, I received a second Escrow Statement with a monthly mortgage increase. I called Shellpoint/NewRez and spoke with an Agent. I was advised that Shellpoints Terms and Conditions to their XXXX Agreement is that the Customer is required to maintain a XXXX balance in escrow at all times. 

This is not the Terms and Condition Agreement that was signed at closing. This has not been an issue with XXXX until now. I do not have a signed, legal document with Shellpoint of these new Terms and Conditions therefore, I emailed XXXX advising them of my Dispute. My increase in mortgage starts XX/XX/XXXX and I have yet to hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020, a pull of my credit report shows that Progressive is  seeking to collect on an alleged debt in the amount of {$820.00}. XX/XX/2020, another pull of my XXXX Credit report shows that Progressive reported that I allegedly owe {$830.00}. 

XX/XX/2020, I sent a 15 U.S.C 1692g ( b ) letter of validations that requested various documents that substantiates the debt and the amount attempted to be collected on is accurate. I received a XXXX XXXX ( See attachments ) that shows the original debt of {$750.00} with XXXX Hospital. Progressive failed to provide the documents requested that shows that I have entered into an agreement by way of signed contract or judgement with XXXX Hospital and/or XXXX to pay interest or additional fees on the principal balance owed to XXXX Hospital for a debt I allegedly owe and that the debt belongs to me. 

This is a violation of 15 U.S. Code 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

and Violation of : 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the  character, amount, or legal status of any debt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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: Information belongs to someone else

Complaint:
Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.

Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.

In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.

Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.

As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX I entered fifth third bank trying to close my account and I was told I couldnt close my account because I had a small business loan for {$12000.00} in my personal account instead of a business account so I told them I didnt want a relationship with them anymore and they could send the loan back so I was told by a financial rep. That I couldnt close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several  accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}

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 2023-06-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2018-08-16
Company: LEXISNEXIS
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:
On Friday XX/XX/2018 I wrote to XXXX  requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, XXXX  has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with LexisNexis a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent XXXX, TransUnion and XXXX XXXX letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? XXXX XXXX and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX and transunion has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?

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 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a credit card with Bank of America. When I signed on today ( XX/XX/2022 ) I saw a checking account had been added on XX/XX/2022. After XXXX hours on hold and several transfers I finally was able to talk them into closing the account. They haven't closed the account yet, but I do expect them to follow through and remove it soon. 

The issue here is that I believe someone internal to Bank of America accessed my personal protected information and used it to open the account in my name to meet some account opening metric. This is not unheard in the mega-banking realms. XXXX XXXX and US Bank have both previously been caught in this practice and I believe the same this is happening at Bank of America. 

The specific checking account I was signed up for is the Advanced Safe Balance Banking checking account. This account comes with a $ XXXX fee and a {$25.00} minimum balance to open the account. The account was opened with a {$0.00} balance and had I not caught this I would have started to accrue overdraft fees as a result. 

The representatives I spoke with from Bank of America repeatedly insisted that I or someone pretending to be me had applied for the account online. However, I have multifactor authentication on my account and the account sign-in history available from their own website shows no logins for my account between XX/XX/2022 and XX/XX/2022, which to me indicates that this was not a malicious 3rd party but an internal employee at Bank of America XXXX 

The internal breach of my personal information is the main issue here. I no longer feel comfortable with Bank of America having access to any of my personal information.

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 2018-08-16
Company: Experian Information Solutions Inc.
State: GA
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:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are constantly changing my payment and they know I am doing XXXX treatments and my family helps getting my payments to them. A couple of months ago their system was down and they couldnt take a payment over the phone and they they tried to serve me with court papers until the sheriff was told about it and it was dropped. They constantly called me 5 times a day leaving 4 to 5 voicemails and I have the proof on my phone. They have tried to serve me with court papers several times and each time its been dropped because of wrongdoing of their part. Im getting really tired of this. Just last month I made my payment and yet the next day they called and claimed I owed fees of {$67.00} and then the day after the voicemail claimed it went up to {$100.00} now Ive two voicemails in the same day stating its {$250.00} and they are calling again making it a total of 5 calls and 3 voicemails now and its not even XXXX. This is complete harassment they are going to cause me to lose my job Im not allows this many phone calls. Please help me.

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 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an alert that my credit line was reduced to XXXX for the credit buruea. I then called Tj max where I spoke to a representative XXXX ID # XXXX who stated it was due to missed payments. I stated to her that I had not missed payments but she stated that was the reason and we left it at that. I said at the end of the conversation wow I have not missed payments I think I I should close the account not worth having it open for XXXX line of credit. I never once told her to close it or gave her the authorization to close my account? The next day account was closed ... I called XX/XX/11 and spoke to XXXX she then transfered me to a supervisor XXXX ID # XXXX. I informed him to review the phone call since they are monitored he stated he would and would get back to me. Never heard back it is now XXXX I called the company to get an update I spoke to XXXX ID # XXXX who stated they had not yet reviewed call.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.

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 2023-02-15
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX I was notified that I was being sued for a medical debt from XXXX XXXX. I called the lawyer attempting to find out what was owed. He would not send me a detailed bill and said it was owed to express recovery services. Express had contacted me on the phone in XXXX and said I had a bill due with XXXX XXXX. I was never provided any written validation of debt or communication after the phone call. I attempted to go to XXXX XXXX in XXXX And they said I had a past due balance. I asked for the total and paid it promptly. I assumed this was the original debt referred to by express recovery services. I contacted them again a week later and they still had not seen the payment so I tried to pay again but my card was denied due to having already paid the week before ( we only had enough to pay the original amount ). We were never informed that there were actually two charges of debt from XXXX XXXX and that we still owed {$210.00}. They are now suing us for {$750.00} to cover attorney fees for a debt we were never notified of. Only after our response to the lawsuit did we finally see a bill outlining what the original charges were for. After seeing the bill we would like to pay the charges that are owed but now they won't accept it without exorbitant legal fees. This is obviously just a way for the lawyer to make money. If they wanted their actual money from the charges they would have sent us a bill at any time! We were never notified in writing of the debt collection effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation