BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Discover Card debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both Discover and XXXX, have filed investigations with XXXX, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received phone call from XXXX XXXX from MBNA stating that I have received notice in writing ( which I didnt ), and that they have been attempting to get in touch with me concerning a debt ( which I do not have with them ). Informed her that no one has contacted me in writing or via phone, than she threatened me with a law suit and told me I will need a lawyer and they would see me in court. 
Her contact number is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 *XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since I've been locked out of my account, it's hard to provide to you actual dates. Here 's my story. I have had a credit card with Citibank for a few years. I kept receiving mailers and emails prompting me to open a checking and savings account with them. One of them said if I opened a savings account with a certain amount of money and kept it open for a certain period of time, I would receive a stipend of, I believe, {$200.00} from Citibank. I opened my account online and it prompted me to also open a checking account. I did that and set up my direct deposit, etc. About 6 weeks later, I transferred {$15000.00} into my savings account and on XX/XX/2022, I received an email stating my accounts were frozen and that they were closing them within 60 days of the date of the letter as I had apparently " violated the terms of my account per the client manual ''. At first, I thought it was a scam. I called Citibank, and they said it was indeed legitimate. No one could tell me what I had supposedly done and said I would receive a letter in the mail explaining everything. I never received any letter in the mail with explanation. Each time I called I was told there would be a letter, never received anything. When they froze my account, they locked me out of being able to even look at anything. So they basically took my money to use for whatever period of time they decide to keep it, with no notice and no reason as to why? I kept calling and their fraud department just kept putting me off. I called again today, to inquire as to when my funds would be returned to me. I as " on hold '' for nearly an hour. I got transferred around, and finally, the last person was with the fraud department and she told me that they couldn't access my account because it was under investigation and that I needed to call back in a week. I asked her why can't anyone at Citibank give me any explanations other than I'll get a letter. She wouldn't answer any questions, and effectively hung up with the " I'm going to terminate this call ''. I was not loud or rude with her, and she still hung up on me. Now I'm at a loss! How can they just take your money with no explanation and treat you like you've done something criminal. Please let me know if there's any additional information you need from me! 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 2022-03-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
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 *XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted 2 days ago after receiving a slew of phone calls to my cell and work by  XXXX  separate phone  # s cl aiming that I owe a debt to this collection agency calle d Professional Bureau of c ollection of Maryland for a  Federal Family Education Loan in t he amount of {$690.00}. I do not owe this debt and it has nothing to do with me. The  XXXX  phone  # s th at called me are  XXXX  - a guy named  XXXX  and the other # is  XXXX  - a woman answered the phone when I called it back and stated the name of the company. In addition to not owing a debt for a student loan, onl y 1 le tter was sent to me ( see attachment ) with the date of  XXXX   XXXX . By law, they are supposed to give me 30 days to dispute this debt as invalid before skiptracing me and taking aggressive actions. I did not receive this letter until 2 days ago. They called my place of work and did not even call my extension after being given it. This  XXXX  person told my co-worker, who happens to be my  manager - every thing about this : the amount, " case # '', what it was for, that I had n't responded, that they would be " showing up with documents '' at my place of employment and this was all after being asked if  XXXX  wanted my extension to call me directly and leave a voicemail. He chose to provide confidential information illegally to someone else other than who the message was intended for. They continue to call me at every number at work - the direct customer service line, other extensions, etc. Each time, they threaten to come to my place of work and serve me some unknown documentation. I know my rights and I am aware that this practice is illegal. This company needs to cease and desist immediately ; they have the wrong person and besides that, to reiterate : these are illegal practices! When they call my cell phone, they leave no messages and yet want to tell my co-workers everything? How is this legal? I looked them up and there are a TON of rip-off report claims and other CFPB complaints against them! They were aggressive and demeaning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Security Credit Services, LLC
State: TX
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:
This is a formal complaint against Security Credit Services located in XXXX, MS . This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Security Credit Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I negotiated a refinance loan with Chase mortgage and after getting the figures I was asked for a Good Faith Deposit. A couple days later they changed the terms from 100 % financincing to 95 % .i disputed the charge and they wont give me an answer.the agent told me on phone that i misrepresented value of home which I did not.i never gave them a figure.since they record the calls I asked for proof but they refused. I am a victim of classic bait and switch and I need your help.the amount is XXXX dollars. Y understanding is if any part of a contract is changed both parties must agree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused 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 2022-08-25
Company: Google Compare Credit Cards Inc.
State: AR
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:
In previous complaint number XXXX the company 's final response asserted that they provided a refund to all transactions in the complaint. Neither their internal website nor my credit card card show any evidence of such refunds. I ask that you either reopen the complaint and ask the company for evidence that they provided these refunds or refer to an enforcement agency. The company, XXXX XXXX, was deceptive in their response according to the data I show in their own site. None of the transaction id 's show any evidence of being refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD 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 2017-01-28
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received a weird response from Lexis Nexis. They stated they are not held to the FCRA - which is laughable. There are 100 's of case laws I found where Lexis Nexis was sued and loss under the FCRA. Some of those cases are ; Smith v. Lexis Nexis ; Graham v. LexisNexis ; Berry v. Schulmar ; Spokeo Inc V. Robins ( class action suit LexisNexis loss which the judge clearly stated : " LexisNexis has no free pass from FCRA liability. '' They did not respond to my request in the required 30 days ; thus, the bankruptcy information must be deleted under the FCRA which they have to honor by law. To write a letter stating they are not under FCRA law means either whoever responded does not know the law or they are trying to skate around the violation. They failed in compliance under the FCRA ; thus, the bankruptcy must be deleted from LexisNexis. My next step is FTC, and AG compliments if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE ASKED FOR PROOF OF DEBT, THEY CAN NOT PROVIDE ANY INFO THEY JUST WANT ME TO PAY AND THIS IS ON MY CREDIT REPORT AS NEGATIVE. IF THEY CAN NOT PROVIDE PROOF OF DEBT THEY NEED TO CORRECT MY CREDIT REPORT. WHY SHOULD I PAY IF THIS IS NOT MINE? THEY CAN NOT PROVE THIS IS MINE OR THEY SHOULD OF SENT ME THE DOCUMENTATION WHEN I REQUESTED IT ALL ALONG

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown and outdated it appears, I have disputed with account and nothing has ever been sent to me regarding validation. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I openned a dispute online on XX/XX/2018 with Transunion about a wrong name in my credit report. At this date I havent received a solution and is causing problems to get my credit report from credit agencies because the cant identify 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