BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX -XXXX  Account # XXXX XXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied a loan based on my Experian credit score, I have been trying to reach Experian to rectify the situation. They are reporting multiple scores ranging up to 60 points difference. The bank was provided one score, I was provided a 2nd score when logging into Experian 's website, the 3rd score is coming from my free credit report. There is no live operator to contact. Previous disputes went ignored.

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 2015-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 my account was closed by XXXXThe Bancorp Bank due to suspected fraud. They are saying that my account was marked as suspicious and thereby closed because of cash deposits I did at XXXX through a service they offer. All of my cash deposits were from the tips I receive from my job as a server that I get in cash at the end of the working night. The amount of cash that I have deposited is less than the total amount of cash I have claimed on my paystub and they still refuse to refund my money. They have also taken all of the money that I received from my birthday as well as money that I received from payroll from said company. 

I reached out to chime on the same day, XX/XX/2023 with everything they asked and they have said that my account was not in compliance and that my money can't be refunded. In my opinion I have more than ample proof of every deposit I made including checks and feel that they are making a huge mistake withholding money from a very broke XXXX  that can't even afford to pay their bills at this point. 

As far as amounts, I deposited {$500.00} in cash on XX/XX/2023, {$320.00} on XX/XX/2023, as well as an {$80.00} check from my father for my birthday on XX/XX/2023. The amount that is reflected in my most recent paystub for cash tips is {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card
Issue: Rewards

Complaint:
Chase contacted me to apply for a credit card and promised that if I spent {$3000.00} within 3 months that I would receive XXXX XXXX miles as a bonus. Several months after I had fulfilled that spending requirement, they sent me a postcard that said I did not qualify for the promotion and would n't receive the promised points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Phoenix Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not responsible for this alleged debt. I ask for verification and this what sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was a customer of XXXX Bank which was acquired by Bank of America. After the acquisition, BOA changed the minimum balance requirement in my checking account without any notification. Then Bank of America started charging the minimum balance fee on my account from XX/XX/XXXX until XX/XX/XXXX without my knowledge, and despite they didn't notify me. For a total of 8 months, the bank charged {$14.00} every month for a total of {$110.00}. I was on a long term illness in XXXX and couldn't go to the bank to inquire the account status, yet BOA didn't notify me of the late of charges during the XXXX months period. 

I had called BOA several times in the past 4 years and even visited the bank in person to dispute the charges, but each time the XXXX informed that those charges by the bank can not be disputed. Once again, I just called BOA today on XX/XX/XXXX and spoke with the XXXX XXXX, ID XXXX. and she informed that she could not find those charges in the system any longer as they were too old.

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 2022-06-05
Company: EQUIFAX, 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:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This a non existing company that report one month collection to the credit agencies is a fake company never ever had any debt, credit card, loan or any type of business with this company ENHANCED RECOVERY CO L Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Augusta Collection Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bill is for ambulance service in XXXX 2014. Insurance information and permission to bill insurance company was provided at time of service. In a conversation with the insurance company today ( XXXX XXXX, XXXX XXXX XXXX ) confirmed that ambulance service was covered under that policy but indicated that the ambulance company never submitted a bill ; they had one year to submit a bill according to the insurance company. The company never sent a correspondence with billing information to me at my current address at that time ; I only learned about the bill more than a year later. More specifically, I never received any information indicating that they did not submit the claim, nor did I receive a bill until after one year after it was too late to submit on my own. Today, XXXX XXXX XXXX company representative ( XXXX XXXX ) refused to provide any medical or billing information to me after I learned of the bill. She referred me to Augusta Collection Agency who 's supervisor, XXXX XXXX, refused to provide me with any information as well ; she only insisted I pay despite that this was a covered service. She further threatened me stating that this would not be removed from my credit report. XXXX XXXX XXXX was given permission to bill my insurance company but never did this. Further, they did not communicate in a timely manner that there was an outstanding bill or that any action was required on my part within one year. If there was a problem with billing my insurance, I should have been informed within one year so that I could have assisted in that process. Even at this time my information and original bill is being refused to me by both XXXX XXXX XXXX company and XXXX XXXX XXXX. This should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( XXXX ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have contacted our mortgage company several times by phone/mail since XXXX of this year about paying off a XXXX account that was included in our escrow account. The XXXX account was paid off in full in XXXX of this year. Since the payment is about {$500.00} a month we would like to get this settled as we have overpaid the escrow account for at least 5 months.

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 2016-07-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Judgment against me in XX/XX/XXXX for $ XXXX.Instead of bankruptcy I chose to pay my debts. For some reason this debt was n't inc when I refinanced my home in XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX monthly payments $ XXXX {$600.00} automatically deducted from my checking account. Then deduction stopped I had paid {$9000.00} of the debt. Apparently Asset sold the acct to Midland Credit for the balance of {$1100.00}. Midland filed papers with XXXX XXXX, Fl with the ORIGINAL debt of {$100000.00} and started garnishing my wages. Midland refused to send me or my employer anything written of the balance, would n't return phone calls to my employer. They are still garnishing my pay and to date have about {$5000.00}. Midland rep told me they " have the right to collect up to the original debt ''. Is this legal. This is causing a financial hardship. I 'm a RN, I have to refuse addtl shifts, because that much more is taken. This month, XX/XX/XXXX they will have kept over {$2000.00} in one month. I need help I ca n't afford a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Reporting company used your report improperly

Complaint:
I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX  XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.

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