BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America as well as Bank of America 's attorney/counsel XXXX XXXX & XXXX have denied overcharging my mortgage by adding fees from the year 2012 to the Present day for services never performed but were added to my mortgage balance. Furthermore, the attorney as well as Bank of America have adding charges such as as cutting my hedges which were not overgrown. Bank of America as well as the attorney have said to contact XXXX XXXX XXXX . I 've tried multiple times but was never responded to.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am just learning that this was available so I do not have dates. 

I contacted TransUnion ( via XXXX XXXX app ) to notify them that the information from one of my longest owned credit cards was incorrect. After submitting my claim a few months went by and the entire card was removed from my TransUnion credit report. XXXX XXXX provided know way for me to notify TransUnion of this error. 

I began calling TransUnion everyday for weeks where I kept reaching the first level of customer support and was informed that a note was made but they could not help me any further where I then asked to speak to a supervisor. Everytime, support would transfer me to someone and the phone would ring for hours until it would automatically hang up. 

I was never able to speak with anyone about the matter beyond the initial customer service agent. One of them informed me that when they remove a record from a report they also block the record from being updated on the report ( basically when the creditor reports to them about that card it is automatically rejected ). 

It has been some years since this occured and I lost hope on getting it corrected. I lost hope until I came across this website. 

The correct information appears on my XXXX credit report but not on my TransUnion report. I would really like for both reports to be accurate.

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 2023-03-11
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 'chatted ' with someone from XXXX because i could not get them to answer the phone.. they gave me an email address to send my cancellartion to ( which I have in writing from XXXX XXXX ) they continue to call me, email and harrass me and now have sent to collecrtions.. I should sue them this is harrasssement, they refused to accept my letter of cancel nor communmicate with me..I operated 100 % on fair grounds and was paid in full when i in fact cancelled.. My provider got purchased by XXXX and i had alway had bad experience with them as co. that is why i switched to XXXX years ago. Please fix this .. i will hire a lawyer as this is causing me strress and humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Freeway Funding, 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: Account status incorrect

Complaint:
My car is financing is thru Freeway Funding XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX In XXXX of 2022, my debit card was not returned by a default ATM machine. My car payment was due XX/XX/XXXX, being my debit card was misplaced I went thru a called XXXX because XXXX would not take a XXXX party payment. XXXX IN TURNED SENT FF THE WRONG ACCOUNT #. XXXX XXXX CALLED STATED THEY SENT THE WRONG ACCOUNT # TO XXXX. I CALLED XXXX AND EXPLAINED MY CONCERNS BECAUSE MY CREDIT SCORE DROPPED A Whooping XXXX POINTS. XXXX SAID WRITE A LETTER EXPLAINING THE ISSUE, I DID AND XXXX STILL WILL NOT CHANGE THIS DOXO MADE MY PAYMENT LATE 2 WEEKS THIS HAS BEEM A HARDSHIP I COULDNT RENT APT XXXX I TRIED TO TALK TO XXXX THEY ARE VERY DISRESPECT OVER THE PHONE. THEY HAVE POOR REVIEWS FROM CONSUMERS DURING COVID. I HAVE NOT MISSED A PAYMENT EVER UNTIL THIS MY CAR IS ALMOST PAID FOR AND NEEDS IT REMOVED.

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 2023-03-11
Company: LEXISNEXIS
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:
I have attempted to resolve this issue by asking the bureaus to make the proper corrections by deleting this erroneous account over the past two years and they have refused to do so. I have provided documentation such as police reports, my ID, my license, and verification that these accounts do not belong to me. My first dispute for this item was back in XXXX, I sent out another dispute letter in XXXX as I saw that it repopulated back onto my credit file. And it wasn't until recently when I received a newer version of my credit report for the year of XXXX did it reoccur. Not only is this account erroneously reporting on my report, but it is reporting three times on my credit file which is a violation of the FCRA. It seems that LexisNexis not only removes these items from my credit report but they also repopulate it back onto my credit file. I am attempting to resolve this issue prior to taking the next steps necessary to assure that this doesn't repeat again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my Rebuttal Letter Reply to NetCredit on XX/XX/23. To : XXXX XXXX XXXXor anyone on the compliance Department of NetCredit, I come to you in Good faith and Honor to rebuttal such claim you made about your not on any violation of any wrong. Well I consider that " hear said '' that you as a company that in regular basic do consumer credit transaction Extend My own Line of credit not yours, their actually Laws that said you are in violation and theirs Fines to pay if you don't comply with it, unless you show me in the Law that your right and I'm wrong on " subject matter '' everything you said is false, misleading and theirs violation for it. Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning every time some identity make a report as a late payment, miss payment or default on someone credit report is false, misleading and a violation under 15 u.s.c. section 1681n and penalty of {$1000.00}. So if their is not late payment or default, because is excluded, what are you claim it that I own you guys the Debt? # 1 : Right now you claim their is 7 late payment or default, that means I have {$7000.00} that NetCredit own me, please send me the whole amount to my address. # 2 : send me the " Original Agreement '' on the Security Interest that you claim I'm own debt on it. # 3 : Under 15 u.s.c. section 1666d : treatment of Balance said, Any amount over {$1.00} on balance account, whenever a consumer credit transaction owed to obligator, a creditor shall- credit, refund and Good Faith refund to consumer by cash, check or money order any part of the amount of the credit balance remaining in the account for more them six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Forest Recovery Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection for Forest Collection was put on my credit report recently for {$610.00}. This is the first I have ever heard about this. Never received any notice in mail for debt owed. It shows debt was from XXXX  which was XXXX  years ago. Isn't there a statute on these things anyway? Regardless, I can't pay something I am not made aware of and I never was made aware and all the sudden it just shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Victoria 's secret credit card in XX/XX/XXXX I purchased XXXX on it the first time used it on XX/XX/XXXX I paid the card in full XXXX on XX/XX/XXXX I purchased under ware that same day on XX/XX/XXXX I paid XXXX paid all charges off on the card then I get an email stating I am XXXX in debt I have not used the card at all since I paid it off. they are saying I have back charge on the bill they sent me was only XXXX owed now somehow it accumulated XXXX in late fees. when the card wasn't used. I paid all balances on XXXX XX/XX/XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Seattle Service Bureau, Inc
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2022, I started working for this company called XXXX. It's a company that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm an XXXX XXXXXXXX with this company that XXXX XXXX XXXX XXXX XXXX XXXX About a week after I started working, I was in a car accident in Texas. The accident damaged the driver 's side mirrors on mine and the other vehicle. I notified the company 's claims department that informed me that it'll be taken care of. 

Sometime last week, I received this letter in the mail. It states that XXXX XXXX sent this claim to their collections department and threatens to have my driver 's license suspended until its paid. This is the first time I'm hearing about this and why wasn't it sent to XXXXXXXX XXXX Claims Department instead of me? So far, I haven't paid it nor have my license been suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Kashable LLC
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 account # XXXX, has violated my rights. 

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Act # XXXX, Midland Credit Act # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, You have no permission to furnish any information on my credit report in the first place. If you do not have a contract with my wet signature, please DELETE this account. See attached proof. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio is reporting a debt that can not be verified as mine. I have asked this company to provide details of previous payments and original contract showing my signature which they have failed to respond to and or provide to verify the debt. I sent the credit bureaus a letter on XX/XX/XXXX, and the information was never verified, and I was never sent the proof of anything. 

They are reporting 2 accounts FALSELY on my credit report causing severe damage to my credit and finances. I will also be in touch with XXXX XXXX XXXX XXXX to fight this and continue to pursue damages if this is not removed immediately. 

Portfolio also made an ILLEGAL attempt at reaging an account and reporting last activity as XXXX/XXXX/2023 which is FALSE. They are doing this as an illegal attempt to fraudulently continue to try to collect a debt they can not verify. I have never made any payments or taken any ownership of any collection with this company. 

Portfolio is in clear violation of The Fair Credit Reporting Act and is acting illegally as I have the right to an ACCURATE credit report and the burden of proof relies on the debt collector to verify to the person, they claim owns the debt and also report it CORRECTLY. They have never provided my original contract with this company, any payment records or any other proof of what this account is and that it is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: MARINER FINANCE, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In accordance with the fair credit Reporting act Mariner Financial, has violated my rights, 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : It also States A consumer Reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat payments on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: MS
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:
15 USC 1681 Section 602 States I havethe right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the FCRA 15 U.S. code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX and XXXX. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 

As stated before, these are numerous inaccuracies that violate my consumer rights.

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 2023-03-12
Company: January Technologies, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX at January Technologies has been continuously emailing me about an alleged debt. I have not given the alleged original creditor XXXX XXXX consent to share any of my private, nonpublic, personal, and/or identifying financial information with said third party. With that being said, January Technologies has no CONSENT or AUTHORITY to even possess my nonpublic, personal, private, and/or identifying financial information. I was not given a proper disclosure from the alleged original creditor Snap Finance of their intent to disclose such consequential information nor was I given the opportunity to opt out, which is required by law. XXXX at January Technologies has no authority or consent to contact me regarding this alleged debt, especially over 15 times by email. I am being harassed by XXXX at January regarding an alleged debt that they have no consent or authority to even have or disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX 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 m
ore 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 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 2023-03-12
Company: CL Holdings LLC
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:
When Jefferson Capital syst company called me trying to collect a debt that was not owed to them. I ask them to stop reporting me to the credit bureaus because I have no debt owe to this company. I do not even know who they are. My original debt with XXXX XXXX is over 10 years old. Please stop reporting to the credit bureaus ruining my reputation and causing me XXXX

Company response to consumer: Closed with non-monetary relief