BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
According to the ( FDCPA ) this 3 party collections company is breaking laws I told them to stop contacting me and they still contacted me through email because they could not validate the account correctly they do not have any contract with me and they also stated that they do not own the account!!! I contacted the original company which is summit park apartments they stated that the account was written off as a cancel of debt. So technically this 3rd party collect company is trying to collect on a debt thats been canceled. They against the ( FDCPA ) laws also The ( IRS ) laws there was a 1099-c form filed own the debt for a tax break for summit park apartments. The 3rd party company do not have any real documentation for holding this account on my consumer report they must delete this account at once the original credit also stated that they do not own the account as well so it must be deleted this account is satisfied as cancellation of debt.Which the ( IRS ) identify as Earned income so National credit systems has lots of cases where they breaking law of the ( FDCPA ) ( FTC ) as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I havent had my email for months due to my email being hacked. I didnt know my account was in negative. Even though they might have emailed me they never once called I never receive a call saying my account would soon be closed, since inactivity. I never purchased anything so the negative over draft fees was most likely from the fees they charge me for having the account. I would just like to reopen 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 2023-02-21
Company: Experian Information Solutions Inc.
State: AL
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:
Checked report and saw lots of negative items and derogatory inquiries that have no knowledge of. Tried contacting these collection agencies and debtors to no avail.

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 2023-06-30
Company: ACIMA CREDIT, LLC
State: NV
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXXXXXX XXXX, a Home equity line of Credit loan matured.Citizen 's bank tried to foreclose on my house, in which I was able and willing to continue making payments. I went for 4 years to court and had to hire 2 Attorneys to plead to keep my house before Citizen 's bank made a " deal '' using the HARP Program to allow me to keep my house and resume payments. I find it unfair to charge me as part of the HARP Program agreement, to pay for Citizen 's bank Attorney fees, which total {$11000.00} of the balance owed to Citizen 's bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never open or have a, account with this company 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of AmericaXXXX On Saturday, XX/XX/2023, I went to my local atm to deposit 10 checks I had stored away, one check for {$300.00}, one for {$200.00}, two for {$50.00}, one for {$50.00} and six for {$100.00}. After I had inserted the checks into the machine I clicked to finalize the checks. As they were depositing the atm froze and rebooted with no trace of my checks in my account or any confirmation email. I contacted customer service of Bank of America and filed a dispute. During our conversation she told me that they would conduct and investigation but I may not receive any money if they cant find my checks on the server. I told her that I doubted the checks were fully uploaded to the server. I also asked why they couldnt check the atm to see that my checks were in there. She had no idea how the investigation worked. Therefore I filling this complaint to ensure my checks will be fully deposited.

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 2022-11-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX  Account # XXXX and XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX  XXXX Account # 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 a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

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 2022-12-08
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THESE XXXX COMPANIES ARE TRYING TO COLLECT THIS FRAUDULENT DEBT AT THE SAME TIME. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THE DOCUMENT ATTACHED IS A FTC COMPLAINT FORM LISTING ALL FRAUDULENT COMPANIES.

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 2023-07-28
Company: EQUIFAX, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
There is an account on my Equifax account that equifax keeps changing, and deleting the account and then adding it back on and changing it again. 
Account Name ( s ) XXXX XXXX XXXX and XXXX XXXX. Account XXXX XXXXXXXX, also duplicates with similar numbers and letters. It shows amount past due of {$1000.00} but charged off {$870.00}. 
It seems to be last active XX/XX/XXXX but it was closed XX/XX/XXXX. The payment structure on the account is very conflicting and does not make sense. Plus it was in the FTC report as fraudulent account. Equifax has not complied with FCRA with this account. 
Equifax does not list this account as disputed and has ample time to either fix or delete the account, it has been over 100 days to do this. This account should be removed from my Equifax consumer report as requested. It is violating my rights as a consumer and violating my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.

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 2023-08-21
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i just informed Lobel Financial by mail of their violations in Federal Truth-in Lending disclosure retail installment loan that was PAID IN FULL by my credit transactions finance charge pursuant to 15 USC 1605 . By use of my social security number { credit card 15 USC 1642,15 USC 1602 } As well they are in violation of 15USC 1635,15 USC 1666,15 USC 1611,15USC1640,15 USC 15,15 USC 1692k { 5 } and 29 USC 1109 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking and saving Account is in Bank of America. My account is locked and when I approached to BANK they said there is wrong cheque was made with my account. I don't know how it happened. I tried to request them but they said your account will not reopen in BOA. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: IL
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 have 2 fraudulent inquiries on my equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022. I did not consent or authorize these inquiries for my personal credit report. I am asking that documentation be provided that I applied for these accounts and if no documentation can be provided that these be deleted from my file immediately so i can not be denied credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: TN
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 have inquiries on my credit report that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Way in XXXX edd load my account with XXXX in its XXXX they playing too many games with my card because I can login to my account. Everytime I call they lieing saying stuff about my account. I want my account talking about they just going with the game. What game its my money and My account. In I'm not playing about my stuff. Im not with the games I'm XXXX person In don't need no body talking about my account it my money. now talking about me thats different but about my account its mines. In i need the card to my account. So I can go on with my day. Everyday I'm calling and emailing yall about my card. Remember It's my account and I'm not with the games.

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 2023-07-04
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 I tried to dispute a background check that this company ran on me. I have not been able to get in contact with the company to update the report. I was on hold for 1 hour and 5 minutes and still no one picked up the call. I was denied a platform from XXXX eats because of what checkr reported back to them and I am not able to get the help I need to have the report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
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:
I received your response XXXX XX/XX/22 that someone is using my information and sent a complaint on my behalf. I want to confirm that I, XXXX XXXX XXXX, was the one who sent the complaint and there was no third party involved. Again, I want to dispute this erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to update any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and I am including it again. 


XXXX XXXX XXXX XXXX Balance-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IN
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 Information Services LLC sent me a 157-page consumer report on XX/XX/2022, a 6-page report on XX/XX/2022, ( confirmation # XXXX ) a 24-page report on XX/XX/2022 ( confirmation # XXXX ). I have sent several letters, and called several times to dispute wrong addresses on my file, and several accounts that should be deleted from my account. A neighbor brought 2 letters from Equifax addressed to me with the wrong address on them ( XXXX XXXX XXXX XXXX ). This fraudulent address was generated by Equifax ( see attached ). My personal information has been jeopardized and misused by Equifax Information Services LLC. For over 60 days, I have been calling and complaining because I have not been able to see any current information on my consumer account. I recently read the fraudulent response Equifax sent to CFPB stating that Equifax was unable to find my credit profile, or that I do not have one. I don't know what else to do about this company ( See Attached ) I wrote them a letter disputing the items from previous reports, and after 30 days, they have not responded to me. By law, Equifax must remove the identified disputed items from my report. I am in the process of seeking legal counsel if the items are not deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, I made a payment in the amount of {$250.00} to XXXX XXXX. I checked my M & T checking account ending in XXXX and I noticed a possible duplicate payment to XXXX. I contacted XXXX first to confirm if they had received two payments on the amount of {$250.00} each. The company confirmed that the had only received one {$250.00} payment. I called M & T Custoner Service # XXXX on XX/XX/23 to open a complain # XXXX. They indicated that I would get a letter mailed to me within a week, and that they would investigate the issue. No letter was sent so I called back on XXXX and had to explain again the fact that M & T had taken out of my checking account and additional amount of {$250.00}. I also told them I had not received any letter as I was told, and this new representative told me that they had not even started the investigation. I also opened Dispute # XXXX, and mentioned that I had also noticed that my Overdraft Line of Credit ending in XXXX had made a transfer in the amount of {$230.00}. On XX/XX/23, I went to the XXXX XXXX branch and spoke to the Manager who was very proffesional and apologized i had experienced that issue. She stated that she had the ability to return the {$250.00}, which was completed on XX/XX/23. She explain that she was unable to refund the money in the Overdraft Line of Credit. On XX/XX/23 I paid a total of {$230.00} which included {$1.00} in interest to cover for the Overdraft caused by the additional money that was deducted from my account. If the extra withdrawal would have not been taken out, my account would have not overdrawn. It is XX/XX/23 and I have received no letter. I call the branch again to see what they can do and they told me the complain or dispute was closed out. I am assuming because M & T thinks that by refunding the {$250.00} I would be satisfied. If M & T would have contacted me as they said they would, they would have known thay they still need to refund me for the {$230.00} payment I did against my overdraft line of 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 2023-07-27
Company: Newport Intermediate Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to activate my reimbursement card from XXXX XXXX XXXX. The card has a sticker that says activation is required. The phone number XXXX is out of service and the online activation link, XXXX goes to a defunct website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: IN
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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