BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: The CMI Group, Inc.
State: NC
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:
on XX/XX/XXXX XXXX XXXX XXXX  had over charged me for the high speed wifi internet service and TV services that they had already cut off in the amount of {$780.00} and has sent it to a credit debt collector and the Name of the debt collector is credit management LP file number and date is XXXX XX/XX/XXXX and i had returned there aqminte router and moutom XX/XX/XXXX and i told them that i say with my mom and that she is not working and is on social security and has a mortgage to pay every month and gas and light and water bill to pay and i am unemployed right now and in the future or until i find some how well get me employed and most of i can't afford to pay {$780.00} or what not or no money at all right or in the future because of that so can someone in consumer finance.gov help me with this case or what not as soon as possible it is important thank you

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 2022-05-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Conduent Incorporated
State: ND
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I received a Go Program VISA Debit card from the state of ND in XXXX or XXXX of XXXX when I started unemployment ( effective XX/XX/XXXX ). Once my claim went through, the card worked fine and I had no issues. I went off unemployment near the end of XXXX, XXXX. 
On XX/XX/XXXX, I went back on unemployment, instead of using the existing Go Program VISA Debit card, I was issued a new card. Now, when I log into my account on the Go Program website ( www.goprogram.com ), I'm not able to see my current balance or make transfers. It appears as though my online account is associated with the old card and there's no apparent way to change it or add the new card. 
I've called Go Program customer service ( XXXX ) three or four times with no results. Each representative I've spoken with does not speak English as a first language and has had a difficult time understanding my problem. When the light bulb finally goes off, they say it's an easy fix and put me on hold. After holding for what seems eternity, they come back and say that they can not fix the problem but that someone who can will call me back within 48 hours to a week. I've never received a call back. This is the worst customer service I have ever experienced and is unacceptable. 
Please look into this issue so that others after me do not have to suffer through a similar experience. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: DISCOVER BANK
State: NC
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 have a closed account with Discover Bank. A credit card. I recently had them do a fraud investigation and I was advised while under investigation I could not make payments toward the balance. At one point they showed the account as {$800.00} credit to me so there was no way I could make a payment anyway. First thing first they did a horrible job doing the investigation. Never called me, or asked me for any of my info ( including my police report ) they just ruled in their favor and said I owed the debt that someone else did when they stole me card. Here is the biggest factor though. Discover went back and mark my payment history as missed payments during the time they were conducting the investigation. They're the ones who told me not to pay and I didn't even have a chance too because the account showed to be credited. Discover and their horrible, rude employees refuse to fix the obvious. I have recorded every call with them including them telling me I have a credit and not to pay during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: MARINER FINANCE, LLC
State: PA
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:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

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 2021-07-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime around 2016, a credit card was opened in my name. Because it was fraudulent, I was never made aware of it. Because I was unaware, the card was never paid off, and went to collections. I was made aware of the card by debt collectors. When I was made aware I disputed the card and it was removed from my credit report. Unfortunately, I did not know that I had to dispute the card with the debt collector directly as I believed it was resolved when I stopped receiving phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Received a credit of XXXX dollars from a cancellation. I am trying to get this credit transferred from my credit card to my linked checking account at the same bank. Seem to be getting a run around. Told will have to send a form then after getting the form back will have to wait 30 days. The credit is not pending but already cleared. Just want it transferred over. When I pay them I transfer from the linked account. I think Wells Fargo just wants to hold the money interest free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.

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 2019-06-12
Company: Experian Information Solutions 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:
inaccurate information showing on my credit report. This is a FTC violation

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 2019-09-09
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/XXXX XX/XX/XXXX ON THESE DATES I RECEIVED INQUIRIES ON MY ACCOUNT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: KS
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 is reporting a collections account for XXXX  on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Credit Bureau Collection Services, Inc.
State: KS
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:
XXXX is reporting a collections account for CBCS on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and Experian however it still remains on my credit report. Ive worked with Experian XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Credit inquirie was made on XXXX XXXX by XXXX XXXX XXXX XXXX without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I set up automatic payments with the Kohls third party collections company XXXX XXXX. My payments were never processed and without my knowledge Kohls was said to have called my account back. Once I realized my payments werent being debited I called XXXX and they told me I had to call kohls ( XXXX when I realized ) and that XXXX  could not take my payments. I called kohls and they told me that my account was with XXXX  and I needed to call them and kohls could not take my payment either. This has gone on since XXXX and when I set up those payments my account was estimated at me owing XXXX or so. My account now shows that I owe nearly XXXX. All I have been wanting to do is pay my balance As it was when I made my last payment in XXXX. Kohls will not remove any late fees etc and not sure what to do. I am in credit counseling and trying to pay all my debt and this one account has tanked my credit score. I have XXXX children and thank God my husband. However, we do not have a ton of money or I wouldnt be in this position. Thank you for any assistance or guidance I can get

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
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:
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by XXXX XXXX XXXX XXXX under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. XXXX rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got XXXX to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XX/XX/XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from XXXX which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( XXXX ) and the credit reporting agencies. XXXX has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by XXXX. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from XXXX claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! 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 non-monetary relief
Consumer complaint received 2021-07-21
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: Account information incorrect

Complaint:
I have contacted Experian at least 10 times since 2019 to remove accounts that are incorrect, unvalidated and/or unverified. 
-They have not removed this information, despite not sending me, as I have requested, a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Experian continues to report these accounts. 
-Additionally, in the latest report I have, they have failed to put a 100 word statement that I listed multiple times in dispute to one of the accounts that incorrectly appears on my report since it continues to appear -Additionally, they removed an address that was correct -Yet, they have not removed incorrect, unverified or unproven, unvalidated accounts and have not shown accounts to be disputed with the 100 word statement -Despite repeated request for contracts to actually validate these accounts and verify them, Experian refuses to remove the account and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to remove them despite my repeated requests under federal law.

Please remove these accounts from the credit report immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation