BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: EQUIFAX, 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:
My credit for XXXX  and equifax was XXXX on the excellent pinnacle where it belongs on XX/XX/2019. It dropped 10 points on XX/XX/2019 for no reason and then dropped more than 100 points with no explanation on XX/XX/2019. It appears that XXXX made the error affecting the mistakes on my credit reports. XXXX had erroneously put my account into collections while the bill was being disputed. The collection remarks should not be there at all. I took this matter to the NYS Attorney General to finally get XXXX to correct the final bill owed from {$590.00} to {$220.00}. The email from XXXX on XX/XX/2019 confirms XXXX 's mistake. The letter I addressed to both XXXX and the NYS Attorney General explain the mistakes made by XXXX. The balance of. {$220.00} was paid on XX/XX/2019 to XXXX. Please remove the remarks from both XXXX  and Equifax from XXXX. I am a XXXX veteran and I am highly stressed over these mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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 a victim of identity theft. XXXX XXXX XXXX XXXX has fraudulent remarks and accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Rep, I made a complaint to the CFPB last year. You can look at my previous complaint or see Case # : XXXX. 

My complaint revolves around a Judgement that Midland fraudulently obtained using False Affidavits. 

I have written Midland XXXX attorneys - XXXX XXXX XXXX XXXX XXXX personally and through my attorney to throw out the judgement based on their Consent Agreement with the CFBP. I don't want to go through the details of the 63 page consent order but MidlandXXXX used false affidavits See Paragraph XXXX of Consent Order below and Did not have original account level documentation See Paragraph XXXX. 

Also See Paragraph XXXX For the Dispute Affidavit Lawsuit Debt that has yet to be collected, expected to total more than {$120.00}, ooo, ooo, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

See 2 Consent Orders Below : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-encore-capital-group.pdf https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-lawsuit-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Attempted Linking XXXX account and PNC Bank checking account. PNC Bank stated I was no longer permitted to have these privileges due to the prior amount of overdraft fees on my account. I believe this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1300.00} from XXXX or XXXX Bank are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 per my credit report Capital One Auto Finance did a credit check without my authorization. My credit file at the time had a fraud alert due to prior comprised file. Capital One never spoke to me nor did I authorize a third party to share my information. Capital One Auto contacted me and I never responded to them cause I had credit already. Capital One needs to prove they spoke to me on a recorded line directly and my consent was given. They need to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a bright checking account with BB & T, because they advertised a {$250.00} bonus if all of the requirements were met within 60 days. It has been 3 months and I havent revived my bonus yet.

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 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Other fee

Complaint:
In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again.

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 2022-07-21
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Predatory loaning and XXXX the interest rate as well over the legal limit Federal and my state at 22.99 % they rope you into these deals knowing you're desperate plus put {$3000.00} down payment on a {$9900.00} car and they add a two-year warranty they don't tell you about and XXXX  insurance they don't tell you about. So your down payment goes toward nothing and as the paperwork says I end up paying {$18000.00} for a {$9900.00} car I put {$3000.00} on this company is crooked and has been doing this to people for years now and already has lawsuits against them predatory loaning and usury is astronomically wrong. Also we signed all the paperwork at the dealership and the signatures on the uploaded contract that I put on definitely not our signatures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It has over a month and XXXX  has not updated my account properly. There is a credit card by unify financial showering a balance of {$1000.00} that is paid in full to XXXX  and has been XXXX for some time and it will not update. I have already tried disputing it. Also the credit card I have through XXXX- XXXX balance is incorrect as well.

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 2017-09-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Skopos Financial, LLC
State: IA
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:
I XXXX XXXX entered into a consumer credit transaction with SKOPOS FINANCIAL LLC on XX/XX/2019. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. SKOPOS FINANCIAL LLC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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 2020-06-15
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to a representative from Fedloan Servicing in reference to the accuracy of missed payments. XXXX  showed XX/XX/2017 and XXXX  showed XX/XX/2017. The representative advised me on the phone that they processed a deferment/forbearance XX/XX/2017. She sent me a direct dispute form and I submitted it. Now XXXX  shows a missed payment for XX/XX/2017 and XXXX  XX/XX/2017. If the payments were postponed XX/XX/2017 there should be no missed payment for XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$250.00}

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 2020-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear sir/ madam I would like to pursue my complaint number XXXX-XXXXfor which XXXX has acknowledged that the deferred principal balance should be waived at the time of loan 's maturity. As XXXX has sold the loan and servicing was transferred to SPS XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX-XXXX. 
I have contacted SPS through my attorney with a request to update my records to reflect that deferred principal balance will be waived. I have also attached the supporting documents from XXXX and the response letter from XXXX to complaint numberXXXX-XXXX, but SPS has refused to acknowledge and rejected a {$100000.00} waiver. 
It will be highly appreciated if you can please ask SPS to correct their records as per XXXX 's approval and also contact XXXX to instruct SPS to honor their loan modification offered to me before selling my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX Westlake Financial did a credit hard inquiry without my consent. Per TILA I must be aware of what the contract loan is. I never spoke to nor authorized Westlake or any third party to give consent for them to violate my privacy. My credit file had a fraud alert on it and clearly states I must be contacted before credit is ran. I never spoke to Westlake verbally or gave a written consent. Westlake sent me a letter of apology which states their inquiry was no effect on my credit report which is untrue. They did a hard pull not a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.

Company response to consumer: Closed with explanation