BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bank of America did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts listed below are still showing on my report, you have failed to removed and delete the items that I have disputed. I am a victim of Identity theft since these accounts is not attached to my Home address.

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 2016-12-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid XXXX phone bill in the amount of {$480.00}. This debt was incurred by someone living in a different area of XXXX, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my XXXX credit score had dramatically fallen. Upon further investigation, I discovered that ERC had filed a collection notice with XXXX. 
I disputed this action with XXXX and the XXXX ( XXXX ). XXXX backed ERC. The XXXX investigated and found in my favor. ERC sent a letter to the XXXX basically saying oops its not our fault. To this date I have not heard a peep from ERC

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: J.S Resolution Group, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt collector called me and left a voice mail and immediately called my wife and left a voice mail. I later called the company back and spoke with them and am working on researching the monies allegedly owed and they sent me a settlement offer. I spacificly asked them not to call another number on my account only to speak with me regarding this issue. Less than XXXX min after I got off the phone the same person I just spoke to spoke with my wife. I was confused as my wife was questioning everything including where I lived when I took out the loan 10+ years ago 3 years before I married my wife, 1 year before we made contact again. She knew all of the references that were on the original loan and told my wife " your husband did these XXXX illegal acts behind your back and has been hiding them from you '' These statements are bad enough however when I was speaking with my wife last night she told me that not only did she say these things she coached her into having a conversation about it. My wife did not know my social security number and the agent asked her " isnt the last XXXX of his social XXXX, she said i am not sure and the agent said sure it is. That is when she started explaining all of the details of my debt, from 2005. 

Now, I am not the type that would withhold information from my wife, I relay believe/believed that this was settled when I worked with credit counseling but now my wife of nearly 7 years believes I am hiding things from her and gaining her trust back is going to be difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NY
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 sent you letters regarding accounts in my credit report that I do not validate but they are still showing on my report. You failed to comply you failed to remove account that I do not validate, these accounts are no way attached to my home address and not supposed to be in 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NY
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 have informed you on my recent dispute the following items are very inaccurate, incorrect and negatively affecting my credit rating plus it goes against the Fair Credit Reporting Act :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management has repeatedly harassed me from different numbers after I told them to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express Platinum personal credit card that has a welcome bonus of XXXX Membership Rewards points if I spent {$3000.00} on the card in the first three months. I fulfilled this spending requirement and was awarded the points. When I went to transfer some of the points to an airline transfer partner, I got an error and when I called an Amex phone rep told me that my points ( as well as those of all individuals who applied for the card ) were being frozen pending a review. They instructed me to wait 6-8 weeks for the review to be completed. On or around XX/XX/2016 I logged into Amex and saw that the points had been removed from my account. The Amex phone rep could give me no details as to why the points were removed. She did open an " XXXX '' case and told me Amex would be contacting me within 72 hours. That did not occur and another phone agent I spoke to subsequently confirmed that he had no ability to review my account. He also told me Amex would be in contact with me. That has not happened and I have not received any correspondence via mail, phone or email letting me have any information on what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX did not advised me this was attempt to collect a debt and also stated they would remove it off my credit report while they investigate it still remains on my report and the address that is on this account is a address i have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
See XXXX which you closed. BAC sent an absurd reply the other day. It can not disclose info. on my account so it is closed. But I wrote you two years ago, more than 2 yrs. ago I saw XXXX XXXX at the branch, XXXX XXXX, XXXX XXXX, XXXX and she called HQ and was told that since BAC had lost the signature card the acct could not be closed. I emailed XXXX all underlying docs. This new BAC response says I do not own the account. But besides the lost signature card, they have proof of my ownership plus they would have digital copies of the checks I wrote on the account probably on microfilm since goes back so long. Again, I emailed XXXX all of the docs requested, they lost the signature card, if I were not the owner why did BAC send me monthly statements for decades? 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 2020-12-29
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI EOS CCA ; This account is reporting against provisions of fcra, and it continues to report incomplete and misleading information and therefore, its an unverifiable account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with XXXX. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call XXXX to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from XXXX. two years later XXXX took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
XXXX have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
XXXX has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX has violated my rights 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

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 2015-09-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo neglected the security of my account by letting funds be removed beyond the credit limit without my consent. 

While looking for employment I was conned by a company, XXXX XXXX to make purchases for them. They put funds from a XXXX XXXX Account whose account and routing number are XXXX & XXXX into my Wells Fargo Prime Equity Account so I could make purchases for them from my account. Wells Fargo had a rule to wait 7 business days for them to clear before making the purchase which I was told to make sure the XXXX XXXX account that was depositing the money was reliable. After the 7 business days had passed I was assured that the funds deposited were good and I made purchases on that account using the Credit Card connected to the account of over {$10000.00}. Once the purchases were made and shipped, Wells Fargo allowed without my consent the funds of {$10000.00} to be taken away and put in back in the XXXX XXXX account. 

I had tried to contact the Employer, XXXX XXXX and Wells Fargo Fraud department but to no avail I was held responsible for the funds. Now Wells Fargo is not only claiming no responsibly for letting the funds go back to the XXXX XXXX Bank but they are Charging me for an overdrawn account, interest on the account and are requesting me to forward the {$10000.00} which I do n't have or face foreclosure. 

Wells Fargo, the Federal Trades Commission and the XXXX have information on the employer and the XXXX XXXX Account, however either have made a move on the going after the employer or the bank. I do not have the authority to do so. I only ask that Wells Fargo the FTC and the XXXX work to get the stolen fund of {$10000.00} back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation