BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend. 

Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX and i would like to inform about identity theft going on with me.I was exposed to data breach.I was checking my credit recently which i do very rare because i need to lease a car and i see my credit score is dramatically low.Upon checking i saw that there are fraudulent account that are not mine account i didn't authorize to open or use i saw addresses names and employers that i never lived worked and names i did not use.I tried to contact them and handle it with a bank but some of the customer service agents either hung up or said to take care of these with credit bureaus .Im also going to report to CFPB about this manner that they show to the victim of identity theft.The best resolution will be all major credit bureaus blocking those items from my credit bureaus .Also im going to include up to 19 inquires and sign for them on separate piece of paper because it wont fit here.Thank you in advance hope this will be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute 3 transactions made with my debit card from Bank of the west. I tried to report this to my bank but hey closed my account a couple of weeks ago, and Im not in the US right now to do it at the branch. So they denied the opportunity to report this charge back request.

transaction 1 : XXXX XXXX ( I cant check the exact dollar ammount because I dont have access to see my statements ) made on XX/XX/2022. I should received this on XX/XX/XXXX transaction 2 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX transaction 3 : XXXX XXXX, made on XX/XX/2022, I should received this on XX/XX/XXXX I tried to reach the merchant several times without any answer, and they never respond the emails I sent to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When we initially opened our business checking account in XXXX this year at Bank of America , Bank of America offered a cash bonus of {$500.00} if we meet the following two requirements, as shown in the attached letter from Bank of America : Within 60 days of account opening, 1. Make qualifying deposits of at least {$20000.00} and, 2. Make ten qualifying electronic payments including debit card transactions. 

Within 60 days of account opening, we have satisfied both requirements. To date, Bank of America has not followed through with crediting our account with the {$500.00} cash bonus. 

We have contacted Bank of America on several occasions, to no avail.

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 2022-04-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-03-14
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. 
I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. 
I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. 
Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. 
I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Nationwide Biweekly Administration, Inc.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXS XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-09-02
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments are still going to interest and everytime I reach out to FedLoan Servicing nothing gets resolved. This is the worst, most dishonest and disappointing student loan servicer I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}

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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JH Portfolio Debt Equities, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.

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 2020-03-25
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying on this account for 3-4 years and once I lost my employment, I contacted XXXX XXXX ( XXXX XXXX ) and informed them and they were not open to any agreement. No matter how many payments I made, they continously added on late fee payments. When I did make payments on the XXXX XXXX Website, the payments were not found on their website or missing. When I was unemployed they continued to add fees which made it even more difficult to continue paying off. I have paid the amount in full if not more. Midland purchased this account and are claiming I owe WAY above what I feel I owed. They have already started harrassing me with phone calls and threats to pay. I am currently working from home trying to maintain a job as my current company has shut down due to COVID19 fears. This is not the time to harrass people over paid debt when the ecoomy to trying to stay afloat. I've sent Midland communications to cease and desist on collecting and that I dispute the validity of the debt and all my communications have been ignored. They sent me communications with already threatening me to pay or they will put a negative mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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