BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: NY
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 has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
BANK OF AMERICA COLLUDED WITH XXXX TO COMMIT ACCOUNTING FRAUD BY MANIPULATING MY ACCOUNT 'S FINANCIAL RECORDS. 

BOTH INSTITUTIONS REPORTED THESE FALSE CLAIMS TO ACCOUNT HOLDER. 

THESE FALSE ALLEGATIONS ULTIMATELY LEAD TO OVERDRAFT FEES THAT WERE EVENTUALLY RESCINDED BY THE BANK. NEVERTHELESS, THE BANK DID ENGAGE IN MANIPULATING ACCOUNT ACTIVITIES TO COVER UP BOTH XXXX 'S AND XXXX 'S INVOLVEMENT IN AN ATTEMPT TO PLACE ONUS ON COMPLAINANT!

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 2020-07-18
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I tried to contact Shellpoint Loan Servicing Mortgage Company on/around XX/XX/2020 to request an additional extension for a forbearance, emphasizing the importance that i would like my payments added to the end of my loan from my first request. I was informed by the first representative that all payments are due in one large sum once the forbearance is over. By the fourth representative and the constant change in stories and whats required on XX/XX/2020 after inquiring why payments were not added at the end of my loan and why they are asking for a balloon payment and in addition what happened to my second request of an extension. Its been 45 days and i have yet received a response regarding approval for my second extension nor a letter regarding my XX/XX/2020 payment. The fourth representative inquired about completing a hardship letter, my bank statements and where will i get money from to pay the bill since i did not receive any money from XX/XX/2020 til XX/XX/2020. I also complained that i am unable to access my account online. Why haven't this information been required before? In addition to my concern that i did not receive anything in writing stating my payments will be added at the end of my loan to avoid a one large sum payment, my representative is never available and i was told i can not change her, I received a foreclosure notice and my account number was attached to a man with a different address. I am concern that predatory lending/ fraud is occurring where they tell people there is help but if they cant pay they will foreclose on people homes. When i agreed to forbearance/ push my loan to the end, i read all the government information and requested the assistance accordingly. Please advise how i can obtain something in writing and ensure my loan payments is applied to the end of my loan and avoid request of one large balloon payment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my complaint is against citizens bank. I lost my debit card on XX/XX/2022. Someone picked it up and used the card and overdrew my account signifigantly. The charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citizens overdraft fee- {$140.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Citizens overdraft fee- {$170.00} ( XXXX charges at {$35.00} each ) My paryoll check was direct deposited- {$900.00}, citizens bank took my full check XX/XX/2022 Citizens overdraft fee- {$30.00} XX/XX/2022 Citizens overdraft fee- XXXX Claim credit- XXXX XXXX XXXX XXXX XXXX My payroll check for {$900.00} was direct deposited, of which Citizens bank took {$220.00} of, which put my account at even. They then charged me 2 more fees Citizens overdraft fee- {$35.00} Citizens sustained overdraft fee- {$30.00}. 

In total, {$1100.00} was charged to my account after my card was lost. I went to the bank, shut the card off and filed a claim. Eventually they came to a decision that i made the charges and did not reimburse me. I spoke to the bank manager of the Citizens branch in XXXX, XXXX who was extremely rude and condescending to me. I was polite and professional, and after speaking to her I said I would like to close my account, to which she replied " Gladly! ". I filed a police report after that encounter at the bank. I have a police report that indicates it was not me who had used my debit card on these dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Not only am I an essential worker bringing in a paycheck weekly but Ive never missed a payment on any of my accounts in my credit history. Nothing in my credit report changed and for some reason I received an 80 % decrease in my available credit overnight with no explanation or warning!!! 
I have made over 15 calls because I would love the opportunity to keep my card and the benefits, but still no resolution. Worst customer service I have ever received. Not only have I spoken with numerous representatives from American Express several of them even told me that the situation doesnt sound right.Im horribly disappointed with American Express and lack of help, especially because I have been a customer for over 5 years and have always paid my cards off in a satisfactory manor. I will be switching to chase or another reputable credit card company because for some reason their pre-approvals are over {$5000.00} more than my original limit ... which btw was decreased 80 %! This just doesnt make any sense to me. I work in the XXXX  industry as a XXXX  XXXX and it sounds like a direct violation of the equal credit opportunity act as they are refusing to reinstate my limit even though I qualify. Theyve also countered offered with terms that are less favorable than those terms offered to someone with similar qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with Equifax and XXXX  for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/2020 a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from XXXX  and XX/XX/2020 it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX  is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX  with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both Equifax and XXXX  with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from Equifax and XXXX  due to it being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Upon entering my repayment period, upon graduation in XX/XX/2011, I was unemployed and needed to reduce my payments to their lowest possible amount. I was repeatedly advised to choose forbearance rather than IBR despite being eligible for the latter and despite the fact that the latter would result in a $ 0 monthly payment and the former resulting in accruing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is reporting a fraudulent collection account on my credit report and refusing to remove it. I have contacted Midland via phone call on XX/XX/2018 at approximately XXXX XXXX and also followed up via USPS certified letter dated XX/XX/2018 which was addressed to the attention of XXXX XXXX in which I stated that the account was a result of ID theft and is disputed, attachments included a FTC ID Theft affidavit and a copy of the police report number. XXXX XXXX XXXX  responded with a letter dated XX/XX/2018 in which they claim that the debt is valid and requesting copies of the police report and ID Theft affidavit. This debt is not valid, I do not owe anything to XXXX XXXX XXXX, I have not entered into any agreement with XXXX XXXX XXXX nor do I have any obligation to this debt. I have already provided copies of the requested documents via certified mail and they continue with their stall tactics and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I would like to report XXXX XXXX XXXX of XXXX XXXX florida XXXX, address XXXX XXXX XXXX. He manipulates XXXX XXXX XXXX for his credit cards his ex stepson by marriage, he breaks into home, very abusively physical and mentally. He staulks and follows people around to blackmail them until he gets his what he wants, he commits credit card fraud frequently, please exercise your right to serve justice to society. XXXX XXXX XXXX is extremly dangerous and manipulative. He is narcissitic and brainwashing is his gift of gab. He is equivilant to XXXX XXXX and XXXX XXXX. He covers his tracks very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As recent as last month, I have been requesting to have an old charged off account with XXXX XXXX removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for XXXX XXXX in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is 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. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
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'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to  see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : 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 2020-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Per a XXXX add on XXXX, I ordered XXXX XXXX XXXX XXXX .bank America Visa card XXXX XXXX XXXX XXXX on XXXX the morning, 1 hr later I called back to cancel order XXXX XXXX XXXX Per XXXX @ XXXX XXXX XXXX No problem. 
On XX/XX/XXXX preliminary billing Appeared on my visa card {$110.00} Told it was just preliminary and would drop off. 
XX/XX/XXXX true billing appeared Called was advised they are just a Tela marketing ( all Connect ) I need to call XXXX to cancel my instal date of XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX will cancel immediately. 
Called XX/XX/XXXX XXXX said it takes 3 weeks Tried to issue a dispute with Bank america, Advised give vendor 30 days It takes 30 seconds to bill But 30 days to issue credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18
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:
I can not log into my Equifax " myEquifax.com '' account due to a technical problem with my online account. That is what I have been told by Equifax. As a result I am unable to access my credit information or freeze/unfreeze my credit when I need to. Equifax WILL NOT fix the problem. I have been trying to get them to do so for over a year. In XXXX I filed a complaint with your Bureau ( XXXX ). Equifax responded with a useless reply that had nothing to do with the issue. I replied to the response on your website clearly stating that Equifax 's response was inadequate. You then closed the complaint. So apparently no one at your Bureau read Equifax 's or my response. So I started all over again with Equifax. Once again, after hours of trying I got an Equifax agent on the phone who told me there is a technical problem with my log-in. She said that she would have tech service contact me within 4 business days. That was 2 weeks ago and of course they never contacted me. Equifax just will not help me. And your Bureau hasn't helped me either. I don't know where else to turn. I don't know what to do. WILL YOU PLEASE HELP ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
I want 4 hard inquiries that I never authorized to be deleted off my credit report this is only in Equifax and Equifax told me to submit a report here calling them and the creditors they say is not enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
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 fraud alerts or security freezes

Complaint:
Experian will not let me unfreeze my credit report in a timely or efficient manner. Their website does not accept my information which is all correct. Their phone system does not allow you to speak with an individual and sends you in loops after requesting so much personal information ( SSN, etc. ). Requesting that you mail in information to unfreeze. Not a timely or reasonable solution.

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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked XXXX  to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.

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 2023-06-25
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:
I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the XXXX credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, XXXX XXXX XXXX, and XXXX XXXX XXXX claiming to represent XXXX in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.

Company response to consumer: Closed with non-monetary relief