BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a merchant account with BOA in XXXX. My account was closed with an excess of {$43000.00} being held due to risk management. I was told by XXXX ( in security ) that my funds will be released after XX/XX/XXXX. She also provided me her phone number to call after 90 days XXXX. I have called over 35 times and left 15 messages and I can't get a return call. At this point its considered stealing.

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 2022-03-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid off my entire credit card balance. This was XXXX day before the due date. XX/XX/XXXX is the due date for the balance. On XX/XX/XXXX, Comenity Bank charged me {$19.00} for a finance charge. I don't think this makes sense because I had already paid my entire balance on XX/XX/XXXX. How can they charge me interest on a {$0.00} balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
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:
I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals.

These are clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  I will seek remedy for any negligent and willful noncompliance.

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 2017-04-24
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a registration loan in the amount of {$4500.00}. I was never given the option to opt out of ACH. When i was unable to pay the high payments i attempted to refinance. I was instructed that i must pay  1/3 o f the principle to refinance for a lower more affordable rate. That would be approx. {$1500.00}. When i attempted to refinance they then told me that it was not on ly 1/3 of t he principle but also interest. This fraud caused me to default on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In response to my dispute to Equifax to Validate public records listed under my name, Equifax has somehow obtained my personal pay stubs listing my income along with other private information showing how much I pay for my 401k and how much money is deducted from my Social Security. This is a privacy breach because I never gave anyone AUTHORIZATION to obtain or furnish my paystubs containing my income.     Equifax has already deleted this from my credit file after my reinvestigation and has now reinserted this information back to my file without prior notification to me.     In failed efforts to provide VALIDATION on the public records Equifax contains in my file Equifax has now violated me by obtaining identifiable information by mailing me copies of my paystubs.     Using my personal paystubs as a document to support or validate the public records is a privacy breach and consumer violation as my paystubs does not support the case of VALIDATION to information contained in ones file on filing for. Equifax contains in my file is not public record. My personal income is not public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reason to believe I do not owe this debt. This company is not licensed to collect debts in the state that I reside in ( XXXX  ). You must cease attempting to collect this alleged debt until after you have provided proof of the appropriate state license. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. This has been reported to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2022-03-17
Company: Experian Information Solutions Inc.
State: LA
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:
Personal information incorrect, name, address,, multiple unauthorized accounts that I didn't provide written approval for sharing.

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 2016-07-20
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint Against Chase Cardmember Services Chase Credit Card A transaction occurred with the XXXX XXXX on XX/XX/2020 in the amount of {$370.00}. 
The items were returned and the XXXX XXXX issued a credit on XX/XX/2020 of {$370.00}. Receipts are available for these transactions. There is no dispute between the XXXX XXXX and me. 
This dispute is with Chase and its cardmember services employees who created a dispute, when there was none between the parties and then maliciously reported it as unresolved to credit agencies in order to hurt my credit. I request a severe sanction be made against the employees who are responsible. 
On my Chase billing statement for XX/XX/2020 Chase had not applied the credit and billed me as though I had purchased the items. I notified Chase the items were returned and they instructed me to deduct the charge from the balance. ( Correct balance was paid for XXXX bill. Apparently it is Chase 's procedure to file a complaint about the transaction so I gave them the required information. The following month 's billing statement for XX/XX/2020 correctly showed the credit Chase applied from the previous month and the payment for XX/XX/2020 billing statement was paid. Everything was correct if they didn't do anything more. 
Cardmember services contacted the XXXX XXXX and they produced both receipts showing the two transactions. Despite everything being confirmed by both parties and there being no dispute, Chase cardmember services re-billed the purchase for {$370.00} on my next statement. I called them multiple times to try and correct this and each having to wait nearly an hour to talk to someone they continued to ignore the facts. I told them I will not acknowledge this rebelling charge as valid and will not pay it. In effect they damaged my credit by contacting XXXX, XXXX, XXXX, and XXXX with a false and malicious reporting of their being a dispute. Additionally they are creating a third transaction that never occurred and they have no documentation to support doing this. At a minimum they should be fined and sanctioned for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was XX/XX/XXXX in XXXX KS XXXX and while there myXX/XX/XXXX account was garnished by a debt collection agency and they took all my funds from my XX/XX/XXXX account, stating it was was for a default judgement from XXXX. The original creditor was listed as XXXX XXXX XXXX but I was denied permission to contact the debt collection agency to dispute the validity of the default judgement by the my inmate case manager, Ms. XXXX. Recently I was given a new notice of unpaid judgement by the same debt collection agency, dated XX/XX/XXXX with a balance due of {$490.00}. Recalling the extreme XX/XX/XXXXI suffered inXX/XX/XXXXas a result of this judgement, I searched the court records to see the procedural due process leading to the XXXX default judgement. What I found was that in XXXX I was accused ofXX/XX/XXXXandXX/XX/XXXX were filed XXXX XXXX XXXX XXXX XXXX. Apparently there was no judge assigned to the case but somehow I was fined {$170.00} which was allegedly due to be paid by XX/XX/XXXX. On XX/XX/XXXX a petition was filed against me in XXXX XXXX XXXX heard in Limited Actions naming the Plaintiff as XXXX XXXX XXXX. The statute of limitations in Kansas for civil actions is five years. The City of XXXX Municipal Court filed a petition on a ten year old traffic fine, the Plaintiff was represented in Limited Actions court by their Attorney of Record, XXXX. XXXX  XXXX  in XXXX which is also the debt collection agency which garnished my XX/XX/XXXX account in XXXX. I'm going to send an inquiry to validate the debt. I am also expecting the evidence of jurisdiction for the Limited Actions court to hear a claim for XXXX year municipal court fine of less than XXXX $ since the statute of limitations to file a civil cause of action in KS is one year from the discovery of the alleged delinquent account. and since I've never paid on this account. Deceptive acts and practices, false claims, unfair debt collection practices, prosecutorial misconduct and abuse of process. Fraudulent activity and judicial misconduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I noticed that there is a wrong address and social security number on my Experian credit report. I also noticed the address for my current employer is also wrong.

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 2015-07-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX I closed my safety deposit box at Wells Fargo XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in anticipation of a move out of state. XXXX XXXX, Personal Banker at that branch, went with me into the vault to empty the box and I gave her the key when I was done. She gave me a receipt. I moved XXXX the next month and continued my other accts. with Wells Fargo. On or about XX/XX/XXXX I received a call from Wells Fargo saying that I owed for another year 's rent on the safety deposit box. I told them I closed it and gave them the receipt number. The man I spoke to said " all was taken care of and not to worry ''. A year later I was moved back XXXX - still having a Wells Fargo account - and when I went into a local branch to change personal information I was told that I now owed for two years safety deposit box fees ( XX/XX/XXXX and XX/XX/XXXX ) - I told him that box was emptied and closed and he said I would have to take care of that at the original branch. So I drove over 30 miles to the XXXX location and explained the situation with them. I no longer had the receipt. They said there was nothing I could do. They continue to hold the box in my name and charge me yearly fees for an empty box that I closed. The only document I have is the business card of the woman who closed the account for me. I do not wish to collect monetary damages for my out-of-pocket expenses/duress in dealing with this. I just want them to close the safety deposit box account and remove any debt associated with that from my name. They are a rich bank who made a mistake and lost the key and they are trying to make me - who lives on limited income - pay for their mistake. Please assist me with this problem. I did not know where to turn until I saw your name in a news article.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: IL
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:
Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
1 ) XXXX, I took out vehicle loan through my employer based credit union. 

2 ) While the loan and credit history was impeccable. As result of post-divorce asset division dispute. [ Not having any relationship to my XXXX fico or credit union personal loan ] However during a XXXX filing. XXXX, was the ONLY creditor who filed to reaffirm my auto loan. Adding undue addl attorneys fees, and hassles to already complicated stressful situation. 

3 ) My bankruptcy attorney advised at that time under federal bankruptcy laws, that is was unlawful for lenders to report and/or use any bankruptcy filing against the consumer filing the claim. 

4 ) Yet, XXXX has continuously breached the bankruptcy rules and waived my my privacy and disclose rights. For the purpose of this complaint. Please find Equifax online credit file reports where XXXX XXXX XXXX XXXX XXXX, are still violating Federal Bankruptcy Rules by reporting a paid in full good standing auto loan as closed. The implication being derogatory against the creditors worthiness. Bottom line, any Federal Institution should know Federal Bankruptcy Reporting guidelines. Its unlawful to report creditors loans or accounts. XXXX is breaching the federal rules and waiving the creditors legal rights. 

5 ) Formal Written Demand Request to immediately without further delay remove any/all XXXX credit b. reporting having to do with my name or account. What are the consequences for the Federal Credit Unions who breach the law and ignore federal complaints?

Company response to consumer: Closed with explanation