BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX dispute XXXX XXXXXXXX i have tried several times to get your company to follow the law/ every validation your company has foward me has a purchase of debt mailing to a XXXX XXXX XXXX about 5 to six months while XXXX XXXX. under the law any company that is to make a negative remark on my credit report must make contact with me bi phone or bi mail before taking a negetive remark against me to allow me to access my right to validate or dispute the debt. on this despute i provided your company with a disposition from the court on XXXX # XXXX which is public record and i had to go pay for the record to show you i was XXXX  in XXXX of XXXX so if you didnt obtain this so called debt until XXXX and XXXX of XXXX  how can you have made contact with me. you are falsely claiming i owe you money when i have never entered into any contract with your company or allowed your comapny access to my private protected credit information. your company is un ethical and is illegally making negetive reports against me. please publish all investigations and resoning for validation alonjg with how you legaly obtain my credit information. i am going to be contact a lawyer to see if we have any further actions i can take against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi I was wondering how do I seek compensation from Wells Fargo for repeated charging my old account back in the day for overdraft charges when I had money in my account at the time.I might would have overdraft for XXXX item but then they would charge me for XXXX items of overdraft. The first XXXX items should have been covered by funds in the account but yet when that XXXX overdraft item hit they would charge all items with overdraft charges. I inquired many times with them why they charged me overdraft for items when there was enough money in my account to cover those charges. Their answer was because they clear transactions when the merchant sends the transaction confirmation not when I charged the item which was ludicrous to 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 2022-12-21
Company: EQUIFAX, 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:
N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
On XX/XX/XXXX I realized that my Experian Credit Report listed a XXXX  and XXXX XXXX Credit card under my name. I review the information with both companies and they confirmed that I did not have an existing account with them. The conclusion I reached with those companies was that Experian incorrectly listed me as an authorized user as me and my dad share the same name ( XXXX XXXX ). 

On XX/XX/XXXX, I submitted a dispute with Experian to resolve this, only to get a response back saying my information was deemed correct ( Report ID : XXXX ) .I have tried contacting the company on multiple occasions, even emailing asking if they can call me or direct to me a correct contact. All the numbers they give me have zero methods of talking with an actual person. Unsure why a credit agency would make it so difficult to reach customer support until a complaint is officially filed. CFPB should not allow Experian to be so hard to reach, especially for people who may not have the technical abilities to figure out how to solve this. I had to go on multiple forums to see different methods to resolve my issue. Credit Reporting adjustments shouldnt be this complicated and it is putting my credit at risk.

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 2022-12-21
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 CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 have reasonable cause to believe that the information is inaccurate.

THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this inquires I found on my transunion account is reporting as n incorrect inquire nit performed or agreed to by me. 

I have reached out to XXXX XXXX XXXX and other companies reporting inaccuracies to kindly remove this as it Is a fruadlent inquiry, they have refused to oblige XXXX XXXXXXXX XXXX XX/XX/2022 credit card light stream. XX/XX/XXXX XXXX instalment loan XXXX  XXXX auto. auto loan {$3200.00} this account was paid off but still reports on my account there fore it is inn. accurate and XXXX must must be blocked and deleted and balances reported on this loan are incorrect acrross all XXXX reporting agencies therefore had to be deleted

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 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
sold information to third party breach of contract reporting to credit report without prior written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was a victim of fraud. I informed Bank of America of this and after long calls the funds were returned to my account. I've since learned that XXXX other individuals, who have completely unaffiliated accounts, were a victim of the same exact fraud as I was. 

Bank of America did an investigation to determine that this was fraud. I requested details of what was discovered during the investigation and was informed that if I wanted any information I would need a subpoena. 

I believe Bank of America was hacked in some fashion and is not informing their customers. My finances, personal information, etc, XXXX be at risk. In addition, other customers likely had money extracted from their accounts as well through this fraud but since Bank of America isn't announcing anything, they are unaware.

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 2022-12-21
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was reported on my credit report on XX/XX/XXXX I currently owe money to CREDIT MANAGEMENT LP which was in collection from an alleged unpaid balance owed to XXXX cable company that is incorrect. This collection reported, was resolved with the original company XXXX regarding account number XXXX XXXX XXXX XXXX. 
Attached you will find the last billing correspondence that I received from the original debt manager XXXX, which was sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX, PA dated XX/XX/XXXX. This statement was also previously available to view electronically on my XXXX account as of XX/XX/XXXX. This document shows that I no longer owe the amount alleged. 
On XX/XX/XXXX, I had extensive phone correspondence with both XXXX and Credit Management LP to discuss this matter. I had at no time up to that date, received any correspondence from either company via mail or otherwise informing me of a delinquency on the account. 
I was informed on XX/XX/XXXX that I had owed the {$130.00} on this account. At that time I reviewed the documents I had received ( attached ) and discussed with the individual I was speaking with that this was not the information that I had. 
The individual on the other line, which I was told at that time was being recorded, verbally confirmed that the account reflected {$0.00} owed but informed me that the bill had been altered by them, which is why it reflected this and that this alleged dollar amount was still owed. At that time I informed them that I had a billing statement dated XX/XX/XXXX sent to my current address reflecting {$0.00} owed, and that I had never received any correspondence reflecting otherwise. I received no further correspondence after XX/XX/XXXX from either company regarding a delinquency or collection until a missed phone call on XX/XX/XXXX. 
As of today XX/XX/XXXX, this last billing statement which reflects no balance owed as of XX/XX/XXXX has been removed from XXXX billing statements on line and now states that I have a balance owed ( attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.

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 2022-12-21
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/XXXX I sent the dispute letter to the collection agency and I still have not have not heard from them, so In addition I want to write another letter as shown below to dispute the debt. 


YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. 
I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. 
Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A.

You have invaded and breached my privacy which violates The Privacy Act of 1974. 
I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. 
You have 10 days to request for this information to be deleted from my consumer report. 
Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: TX
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:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for 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 2022-12-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company MIDLAND CREDIT XXXXXXXX reported to XXXX XXXX and XXXX that I owe them the amount of {$3300.00}, which is false, I do not accept that debt and information that they tell the bureaus, harming my credit information and violating the FCRA credit reporting law. fair credits because they do not have any written or verbal documentation signed by me, I do not know who this company is that is violating the law because it does not demonstrate with evidence that I have a contract with them, in addition to harming me with the credit bureaus for For this reason, I request that if in 30 days they do not show documents that certify that I signed them, it be immediately deleted from the XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have federal student loans and should qualify for public service loan forgiveness. My loans were serviced by XXXX and I applied in XX/XX/XXXX and certified 24 years of public service ( yes more than just since XXXX ) after finding out that years of yearly certification forms that I faxed to XXXX were not documented. 

My last PSLF update count was this spring at XXXX. With the announcement that there will be a one-time forbearance count added ( if more than 12 consecutive months or 36 months total ), I should be well over the 120 months. I understand that there were some adjustments last XXXX and the adjustments restarted in XXXX. 

My loans are now with Mohela. My complaint is that each time I call to speak with a representative about my forbearance counts being applied, I get a different answer- ranging from forbearances wont be counted or counts wont be done until XXXX ( which is incorrect because a multitude of others in a similar situation have had theirs applied and are now loan free ). I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX. I was supposed to get a response within 15 days but still have received nothing and it is XXXX. 

Due to the transparency of the large social media groups regarding PSLF, there appears to be disparate treatment of loan holders- no transparent system or order to forgiveness. I can not get any answers on what if anything additional I must do. It is frustrating as I see others who applied for PSLF almost a year after I did have their forbearance months applied and now have forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone did a wire transfer of XXXX out of my checking account without my consent on XX/XX/22, XXXX and Chase have been notified and Chase said they can not recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Despite numerous attempts to contact the company in both writing and via telephone customer service, Ace Cash Express has REFUSED to allow me to enter into the required XXXX grace period the State of Florida requires for payday lenders to provide. Ace Cash Express has claimed ignorance of this requirement in Florida and instead of offering any assistance in postponing payment while I attempt to follow Florida law with credit counseling, Ace Cash Express cancelled the loan to attempt to force a full payment through my account. 

Ace Cash Express was notified on XX/XX/2022 that XXXX access to my account was revoked, and they have still made numerous attempts to remove funds from my account. Ace Cash Express is in violation of Florida law, specifically, XXXX XXXX. XXXX. XXXX, which dictates the grace period requirement for Payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXXXXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am a Massachusetts Resident. The MA Attorney General Has Sued Credit Acceptance Corp, which informed me that the loan company is current committing a criminal act by charging a MA residency over XXXX XXXX for an auto. This is XXXX XXXX. I have reached out to XXXX  on XX/XX/2022 to submit a payoff payment to end this illegal contract with Registered mail Number RE XXXX XXXX XXXX XXXX, XXXX, no response, I sent another letter to them on XX/XX/2022 Certified mail : XXXX XXXX XXXX XXXX XXXX incase there were some type of error. Again, no response, I used a Notary as a witness to the transaction and sent the final letter on XX/XX/2022. Again no response. This corporation is Boldly Violating a multitude of laws that was developed to prevent this very situation right here. Credit Acceptance is not following the Truth and Lending Act, they are not follow Generally Acceptance Accounting Principles, and they have violated Massachusetts General Laws : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I have also reach out to XXXX XXXX XXXX the Chief Legal Officer on XX/XX/2022,

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