BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Spring Oaks Capital, LLC
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:
XXXX XXXX {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$700.00} Spring Oaks Capital {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called Helvey and associates has put a collection on all e of my credit bureaus. I have never had this debt. This is a fraudulent account that I did not sign for nor had any knowledge of this a count. It's saying account was opened XX/XX/2022. I didn't even live in the same city or state where this account is.

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 2023-04-10
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
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:
XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your help

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file alot of information is invalid. it is hindering my file. please update my credit profile to be corrected.

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 2023-04-10
Company: TrueAccord Corp.
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:
Not my debt

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 2023-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told my car XXXX but when I go online to pay its a different price there boosting the price up

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 2022-12-11
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: Information belongs to someone else

Complaint:
checking my credit profile ive noticed alot of incorrect information on my Experian profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

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 2023-04-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit card that was never in my possession, and was stolen and used for this company. 
Credit card company then sold the debt to another company without my permission, which is a violation of permissible purpose. I would like this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I contacted an individual about a puppy for sale. They lived close to me, and seemed legitimate. The puppy cost {$800.00}. I sent them money with XXXX. A few days later they blocked me and their account. Fraud occurred XX/XX/22. Individual would not respond to calls or messages. I bank with Bank of America.

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 2022-12-11
Company: Resurgent Capital Services L.P.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 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 a account without my written instructions.

25.7K 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 2023-08-25
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
PNC Bank has repeatedly failed to close an old HELOC and remove the lien on my property, despite numerous assurances since XXXX. It os preventing me from obtaining more advantageous financing from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CCF Intermediate Holdings LLC
State: MO
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 this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Someone opened a Bank of America Visa credit card in my name. The new credit card was sent to my home address. They somehow linked the visa credit card with my Bank of America checking account. On XX/XX/2022 they were able to transfer {$7600.00} out of my checking account with the help of a Bank of America employee. On XX/XX/2022 they pulled out {$7100.00} with the help of a Bank of America employee. They also used the visa card to buy large purchases. I noticed these fraudulent activities XX/XX/XXXX. I then called Bank of America customer service and they froze my accounts. I withdrew the remainder of my money from the bank. Since then I have tried calling the bank every day talking to different people no one seems to be able to help me. All Bank of America says that I might get my money back but they will not guarantee it. They say I shall get an email maybe in a month to let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2023 I submitted a complaint for Mandarich Law Group LLP regarding misrepresentation and a alleged debt. On XX/XX/2023 responded to the complaint with false and misleading information. Mandarich Law Group LLP, has yet to resolve my issue or comply with my request. In page1 of MLG response paragraph 3. Findings and results thats i have attached. MLG states that I misinterpreted title 15 U.S.C 1692e ( 3 ) that MLG never claimed to be a debt collector. If you take a look at exhibit A submitted by MLG of MLG response it clearly states on the first line under my personal information that " Mandarich Law Group LLP is a debt collector, trying to collect a debt ''. There is no misinterpretation. I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a citizens access account at XXXX. 

I funded the account with {$3500.00}. 

On XX/XX/XXXX, I decided that I would withdraw {$100.00}. On XX/XX/XXXX, I decided to move all money {$3400.00} from Citizens Access because the website doesn't work well and I'd rather use a different bank. 

These funds were sent back to me on XX/XX/XXXX. 

On XX/XX/XXXX, Citizens access decide to reverse both ACH tranactions and took {$100.00} back to the original account. 

The XXXX had already been moved to another account and was not able to be reversed. 

I did NOT ask to reverse this transaction. 

Today, on XX/XX/XXXX, I went on to the online access for my citizens access bank account and it shows that it is overdrafted by XXXX. 

Today I also called and spoke to customer service. After verifying I am told that " the bank is no longer doing business with me and has nothing else to say '' The bank owes me {$100.00} and I need the XXXX overdraft balance corrected and the bank account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Mid-South Adjustment Co., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a Collection Notice for a medical debt owed to XXXXXXXX XXXX for approximately {$1300.00}. I have not lived in the state of Arkansas since XXXX. I never went to an Orthopedic when I lived in the state of Arkansas. I reached out to the debt collector to advise I had no knowledge of this debt. I was advised it was for my son, who was a minor at the time of service, therefore they had the right to persue collection. I advised the rep that my son attends college and lives in the state of Arkansas with his father. I live in Florida. I was told I could dispute via email address. Prior to submitting my dispute, I called XXXX XXXX regarding the debt. I spoke with a rep who advised none of my information was on their records and they did not have me down as the responsible party. They advised the responsible party listed on their records was my son 's father, which is whom the debt should be under. They advised that they had spoken with his father several times, however he had not made payment. They advised my son 's father had brought my son to this office for treatment. I had no knowledge of my son 's treatment at this office nor have I ever provided consent for treatment or signed any documentation that I agreed to financial responsibility at this doctor office. I was never contacted by the doctor office regarding the debt at any point. The collection agency had never contacted me prior to XX/XX/XXXX, which is the date on the letter received. This item is now listed on my credit report as a collection item. I was never previously notified/afforded any opportunity to dispute the debt prior to it being reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Park Hill Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries.I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : Creditor : XXXX  Card Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX & XXXX XXXX Date : XX/XX/XXXX Creditor : Zip CO XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX GA Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company after I was in a XXXX forbearance was with Suntrust and it got transferred to truest bank. They would not send me the packet to sign and notarize to have my payments put on the end of the loan. It went on and on they told me not to make payments because they could not accept them without the packet being signed and notarized. I never received it I called and called I never received it they got promising but would not send it. Now they are saying that theres a lien that came forward and they cant honor the XXXX forbearance

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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Chase Bank customer for over XXXX ( XXXX ) years. This past weekend ( XX/XX/2023 ), Chase bank wrote me telling me that they were closing my family accounts with Chase bank. The main account is where my wife 's salary and my salary are directly deposited every two weeks. From this account we do send money to our children at their various colleges. I opened my children 's accounts before my children ( XXXX XXXX XXXX left for colleges ; one at XXXX and the other at XXXX XXXX. Chase gave me up till XX/XX/2023 to close these accounts without any reason. These children are in school and not around to open another account. I have called Chase to express the hardship this action will create on my family. My wife works with XXXX XXXX XXXX XXXX and XXXX XXXX, and I work with XXXX XXXX XXXX  XXXX and XXXX XXXX  These are the sources money goes into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 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 a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any 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