BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: The CBE Group, 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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Based on the Equal Credit Opportunity Act I believe I was discriminated against. Chase gave the reason of not having a deposit relationship which I do have and not having enough credit furnished to my consumer report as a reason to decline my application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Dovenmuehle Mortgage, Inc.
State: CO
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:
The company is Dovenmuhele that I'm complaing about. So I was out of work due to a back injury and placed on short term XXXX which was a huge decrease in pay. I as well had a severe case of covid that caused loss of income. I immediately contacted my house for a program through loss mitigation in XX/XX/XXXX. We constantly sent in stuff and begged for assistance this entire time. They finally offered us a modification in XX/XX/XXXX. So we stayed an active case in loss mitigation this whole time. In XXXX, XXXX and XXXX of XXXX we began the trial period for the modification with all payments needing to be on time. We then completed that and had no payment in XX/XX/XXXX, as the new loan was starting XX/XX/XXXX with the new payment amount. During this time several customer reps and supervisors stated they couldn't report late and they did. They promised to remove them once we completed the trial period and turned in our notarized paperwork. We did this and none of the lates were removed. Also, they then reported XXXX, XXXX, XXXX and XXXX late. If we would have paid late they would have kicked us off of it. We have proof they were paid on time. We have several emails and letters sent to the company and they never do anything about it and say no it's right. But several other lenders stated during loss mitigation they can't report late as we reached out to other companies to see what they said about this and loss mitigation told us that as well. They have destroyed my credit while I was in an active loss mitigation case. This shouldn't affect me as it took them so long to get stuff on their end together to work up something for us. It was ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. 
I have inform them of the situation but they still continue to mail my personal information to my workplace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: HEARTLAND PAYMENT SYSTEMS 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: Account information incorrect

Complaint:
I have a Federal Perkins loan from XXXX XXXX XXXX XXXX  ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the Perkins loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this Perkins as paid in full and owing {$0.00}. This Perkins loan  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX present day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
hello, i previously had a checking account with bank of america. they had charged me with insufficient fund charges and overdraft charges. several times .my job at the time gave me the option for direct deposit, so i closed my account with BOA. I`am now with XXXX XXXX XXXX. i have-not received any settlement information from anyone i just read, and saw on the news, that they have been doing this to others.how do i join for reimbursement .thank you.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
So i've just read in the news that BofA have lied to customers regarding bonus points on spending for example. I found this alarming as I had this exact conversation with a BofA about earning way more points than dollars spent that is showing now. But i can't be sure. 

Is there a way to check this? I have felt for some time I have not been earning the amount of points they originally dazzled me with. 

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
At different times with bank of america i had overdraft fees because i did not have enough funds in 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 2023-02-11
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX Card - Acct # XXXX XXXX/XXXX  - Acct # XXXX XXXX  XXXX  - Acct # XXXX First XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - 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 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 explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX. I am filing my complaint voluntarily and independently of any third parties or agencies. Please see my full complaint and request in the documents that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has opened accounts for me multiple times in the past 2 years without my consent or any effort on my part.

1st time was XX/XX/XXXX 2nd time was XX/XX/XXXX 3rd time was XX/XX/XXXX Each time no $ $ was involved but i had to to call and cancel these accounts. Each time it is multiple accounts opened in my name. Today ( XX/XX/XXXX ) it happened to my wife. A checking account was opened with her name and she has never had a bank of America account. I have had one many years ago ... .but, canceled a long time 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 explanation
Consumer complaint received 2023-02-28
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are reporting inaccurate information to the credit bureaus, they are reporting the account is open, not reporting who the original creditor was and it's past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Phone and Account was initial bill. Service was terminated at time of merge with XXXX 

Paid for phone two times at {$80.00} to avoid debt collection. Spoke to XXXX and service bill was paid in full. 

I have tried everything to work with them and now another company, Source Receivables Management has come looking for the same money already paid to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter in the mail from Synchrony Bank saying I tried to open a credit account with Walgreens but they were unable to access my credit report. My credit reports are frozen. However, I never applied to any credit account with Walgreens. I called Synchrony bank, they couldn't find anything and I called Walgreens but they said everyone who tries to apply for Walgreen credit will do it online and that application goes straight to Synchrony bank. Therefore, they wouldn't have any information regarding this. Synchrony bank can only assure me that no account has been open but they can't help me with locating the source of this letter since I did not apply for any credit account with Walgreens.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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:
Credit bureaus have fraudulent inquiries on my reports, i need them gone per law 15 U.S. Code 1679c

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 2023-03-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been with bridge crest financial loan since XXXX, one car totaled out and since XXXX of XXXX I have been financing a XXXX XXXX XXXX, Yes it was overpriced, XXXX XXXX XXXX when I purchased it. At XXXX XXXX. 

Yes I have fallen behind and yes I have made up for my back payments, including the 3 agreements Ive signed. With the 3-month payments there is no way I should still be in the rears of any kind and being charged those interest rates. The problem is, for the past 3 years XXXX XXXX has been charging me 3x monthly on a biweekly payment plan when I have been paying monthly sometime in XXXX. On many occasions I have inquired about why and they keep giving me the run around, XXXX me the option. 

This last date XXXX I brought it to operators attention and I also explained that they are charging me bi weekly when I am paying monthly and it is keeping me in the rears. I was so upset because I have been over this with them many time, I just said I would write you guys and let you handle it.

This has continued to hinders my on time payments, my credit score and from getting any type of credit. I believe this is malicious against a XXXX American Women since we are the first to be swindled in the auto motive industry and I have asked repeatedly over the years and argued with them about it.

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 2019-02-23
Company: EOS 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:
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance fair crediting reporting act, this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681, section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
Pulled my credit report and noticed addresses and information on my report from FRAUD and ID theft that injured my credit years ago. 
I sent them letters 2 times and have made a report with CFPB and was asked to wait 60 days. The 60 days have passed and my report is still furnishing false 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 explanation
Consumer complaint received 2023-03-07
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
This began in XXXX of 2021 and I was going back and forth with my CC company  for the past year plus. Please find enclosed documentation proving a fraud occurred after credit card billing cycles were completed. It was not possible to report/dispute the charge prior to the two cycles as the furniture was not scheduled to arrive before that and communication was ongoing, with status updates during the delay for a period of time ( enclosed ). Once the communication seized, it was found out that the company based in Utah was investigated and found to be fraudulent. A XXXX XXXX arose from the dissatisfied people, as well as an email chain. Other banks, including credit unions and XXXX refunded their customers. Barclays continues to tell me I had to report this earlier. Again, how was I to know earlier ( within their guidelines ) that a fraud would occur after the fact? I am asking that Barclays refund my card for my initial deposit of {$3500.00}

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 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.

Company response to consumer: Closed with explanation