BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened a online checking acct. with pnc bank for me and my fiance who is in jail. i deposit his life insurance check from his late ex-wife. i deposit {$25000.00} on XX/XX/XXXX. The online banking put a security hold on the check until he can come into the bank. i informed them he is in prison and wont be able to get in until XX/XX/XXXX so i was informed by the online banking i would need to get a POA from my fiance and bring it into the branch. I get the XXXX only authorizing me limited power of attorney to handle all his banking transaction until he get home. I talked to the bank manager on XX/XX/XXXX and she tell me the attorney declined the poa because it didnt contain language of disability. My fiance is not disabled by any means all he want is me to handle all banking needs until he is released from XXXX. Its been 18 days and i have no excess to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sunrise Credit collections company is fraudulently attempting to collect a debt on behalf of XXXX XXXX XXXX for a former debt that was charged off by XXXX XXXX XXXX. 
This company uses illegal collection practices in addition to XXXX XXXX XXXX. Both use illegal collection activities. Both XXXX XXXX XXXX and Sunrise use harassment techniques by phone to record false information instead of discuss the discharged closed 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 2019-09-16
Company: Nelnet, 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:
On or around XX/XX/19 I had sent a certified and notarized letter to Nelnet which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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:
IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: OK
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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-14
Company: EQUIFAX, INC.
State: OK
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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went on COVID forbearnce last XX/XX/2020. I've been trying to come off forbarence since XX/XX/2020. I've called at least 4 times a month to check on my status and they keep extending my forebarnce. I don't know what else to do and they won't elevate this issue. I will now have a partial loan for much more money than I expected because they haven't processed me coming off of forebarance.

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 2017-07-03
Company: Clarity Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Clarity Services Inc, a financial reseller, made two separate unauthorized credit inquiries on X/XX/2017and again on X/XX/2017. I have never heard of this company and did not request/authorize an inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
My Capital One card had a balance of {$1200.00} due on XXXX paid full amount XXXX, just received new bill for interest {$15.00} The Cap. card was my old Wallmart card ending inXXXX. I have never been charged interest when paying in full? Fell Capital One are crooks XXXX XXXX XXXX Thanking You in Advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX % has violated my rights.

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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an  honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
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 2017-09-27
Company: Alco Collections, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions 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:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

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 2018-09-25
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got a call from hospital personnel, about my survey and why I was not happy with my day nurse. I told her I told the nurse I needed formula and she wanted me the breastfeed and would not get me the formula. I told her I felt the nurse was shaming me for not wanting to breastfeed. 

She said since I was not happy with the service I got, that they would be waiving my copay I was not notified that they wanted be to pay, because of the agreement I did not receive any form notification that I was owing them. I was under the impression that everything was taken care off.

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 2022-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ive been with chase since i was XXXX that is now 7 years. they closed my account yesterday. I reported fraud earlier this week the lady on the phone made it sound like i was lying. i have rent due in 2 days my insurance is due as well as other bills. they accepted my direct deposit from work and now its going to take 2 weeks before i have a dime to use i have half a tank of gas and now for the rest of these 2 weeks im screwed. thanks chase for showing us how you treat long term customers. i called the bank they refused to help me. what is the point of a bank that isnt designed to help the people that fund their stock ventures. my rent is XXXX $ late a day. if anything adverse happens through this horrible process im suing chase. DO NOT BANK WITH THIS GOD FORSAKEN BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!

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 2017-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my debt and want it off my credit report. It happened many years ago.

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 2017-09-27
Company: EQUIFAX, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
M & T bank recently acquired People 's United Bank CT and communicated that n account number needed to be changed and used for ongoing electronic payments. They did not clearly state which account was changing. I submitted my water bill under the new account number which was returned as the debit was directed to my savings account not the checking account in which I thought was where the change was to. When I addressed M & T on this over a phone call on XX/XX/XXXX they said they did not cover fees for merchants. This fee is {$20.00} and due to M & T 's failure to properly communicate changes from their acquisition. I was notified of the returned payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice an ample amount of accounts that are showing on my report that I never opened. I am upset that the creit bureaus allowed this to happen

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 2019-07-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal Credit/Synchrony Bank makes offers of 0 % APR for purchases over {$99.00} if paid-off in 6 months and 0 % APR for purchases over {$600.00} on XXXX if paid-off in 24 months, the latter by invite received via Email. I currently have one ( 1 ) of the 24-month deals active and four ( 4 ) of the 6-month deals active. 
I pay my monthly payment expecting each deal to be paid so that the balances will be paid-off when the time period expires, i.e., the 24-month deal should be paid 1/24th of the original purchase amount, and each 6-month deal should be paid 1/6th of the original purchase amount. In total, I am paying that amount. 
Instead, my payment is applied entirely to the 24-month deal and nothing is applied to any of the 6-month deals. Such action will retire the 24-month deal far in advance of its expected end date, leaving me liable for all the accrued finance charges on the 6-month deals when they aren't paid-off at the end of 6 months. 
I discussed with Customer Service and my XX/XX/2019 payment was reallocated as I dictated to them, but now my XX/XX/2019 payment has again been applied in its entirety to the 24-month deal.

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 2021-03-05
Company: EQUIFAX, INC.
State: MD
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:
Equifax Credit Reporting ( XXXX # XXXX ) continues to reinsert and conduct due diligence concerning incorrect information that has been disputed by the consumer. 

Equifax Credit Reporting knows or should have known the reported information was incorrect if the proper investigation was conducted pursuant FCRA. 

A Bankruptcy Chapter XXXX # XXXX was opened and closed within four ( 4 ) days. This public record belongs to a person of a possible similar name however not to the consumer. Equifax remains the only Credit reporting Agency that is fraudulently declaring they have investigated and correctly reporting the information. Consumer has confirmation, in writing, for the US Bankruptcy court confirming Equifax is fabricating this tradeline. 

Consumer ( XXXXXXXX XXXX ) contends this has been a systematic behavior concerning Equifax Credit Reporting.

Company response to consumer: Closed with explanation