BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Capital Accounts LLC, in reference to a debt collection from an account I have with my XXXX, XXXX XXXX, in XXXX, CA. This came as a surprise to me as I have never received a bill from my XXXX, nor have I been advised of any outstanding debt in any of my recent visits to the XXXX. In contacting the debt collector, I requested related wet signature documents acknowledging the costs of previous work performed related to the debt in question. Instead, I received an itemized list of charges for work allegedly performed from XXXX of XXXX to XXXX of XXXX. Nothing was provided to me demonstrating that I authorized these charges or was billed for this work that was allegedly performed during the time frame in question. 

Subsequently thereafter, I contacted my XXXX  office, which has changed ownership ( but still under the same name ) during the time I allegedly incurred these costs that are in question, in attempt to find out why they sent my account to collections without so much notifying me that I had an outstanding balance or receiving a bill. They advised and provided a printout that I do not owe an outstanding balance and that they believe that the debt was sent to collections by the previous owner of the XXXX  business, XXXX XXXX. I was also advised by the XXXX  office that other patients were in the same predicament I currently find myself in. In response, the current owners have attempted to locate the previous owner, with negative results. 

It is incredibly infuriating to be advised of an alleged unknown debt in this manor that was allegedly incurred from XXXX thru XXXX without even being notified in-person during a XXXX  visit or receiving any bill. It is of my opinion that the business practices of this XXXX  office is extremely suspect to turn over a very old alleged debt to a collection agency without so much attempting to notify, discuss or interact with me about the alleged incurred charges. 

As such, I am seeking the bureau 's assistance in getting this matter resolved as I have yet to receive proof of me agreeing to pay what was allegedly incurred during the time in question other than what looks like a homemade XXXX XXXX document from the collector. 

Again, I have proof from the XXXX  office and its new ownership, that my account is in good standing with them and up to date to verify my case. This appears to be an issue with the previous owner who is no where to be found to resolve this matter. 

Any assistance/guidance you can provide in letting me know how I can proceed to contest this collection legally, would be greatly appreciated. 

Thank you in advance for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Loqbox US Inc
State: TX
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:
Its been over 30 days and the creditor ( LOQBOX ) has not updated the information nor has provided proof or documentation in regards to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. 
Under federal law they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with Chase for over 20 years, and I have never experienced the arrogance and disrespect of such a bad as them. When I was in XXXX the country. My debit cards were stolen and were charged almost {$1000.00} from the ATM. They claimed the money was taking out with a correct pin number, but I have no idea how the criminals were able to pick the correct pin number and steal the money. But having said that, Chase refused to pay my money back, the transactions had happened on XX/XX/XXXX and XXXX of XXXX. These transactions were done XXXX after the other as much as seven or eight and I dont understand why Chase did not notify me of peculiar activity or at least send me an email asking if that was me in the transactions especially from a country like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I opened a credit card with SunTrust bank at the time of that event. I set up the auto pay feature to make monthly payments on time withdrawn from my checking account. However, SunTrust was purchased by Truist bank at the time of the bank purchase transfer. I was never informed that the auto pay feature that I set up with SunTrust bank would stop instead, I made the assumption that they will continue to deduct monthly payments from my account as the previous bank whom they purchased on XX/XX/2023, I was hit for a late payment by Truist bank for not making the payment on time upon contacting Truist bank, they acknowledge the error, and they promise to correct the issue by deleting the late payment, which they never did I was forced to file complains and disputes with the credit agencies, and as usual, the credit agencies reaffirmed the late payment without taking the time to investigate properly. At this point I have no one to turn to as I am trying to purchase, a home which the mortgage company declined because the reduction of my credit score I am looking for help from this agency to correct the grave mistake that Truist bank has committed. When a bank is purchased by another bank my understanding is that the purchasing bank will continue the practice of the bank which was bought in this case SunTrust. This information was conveyed to me by a representative of Truist bank. To this date Truist bank continues to show the payment as late, even though I took extra steps to go into their portal and set up a new auto pay, which was cumbersome to say the least. I feel that their unethical practice caused me hardship, and the decline of my credit score, which caused me the denial of my mortgage to purchase a house

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 2024-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Merrill lynch is saying i cashed a check with another bank and how would they know anything outside of their bank or XXXX XXXX, neither bank is suppose to discuss a situation going on with me unless i give them permission, especially if they are assuming and they are a third party that violated my constantutional rights and i am going to sue for all of this going on, thats my money and i want it, their was no other check cashed cause it was cashed with merrill lynch XXXX the check cashing place was doing janky stuff and tried to deposit a check remotely when they did not give me the amount of the check but that's between me and them and the law if something was done fraudently.Which it wasn't, The check cashing place was trying to charge me XXXX so i changed my mind and deposited the check with merrill lynch not whith them they had copies of my check and i deposited my check on the XXXX of XXXX XXXXCheck cashing or banks don't even give you that amount of money at one time anyway you have to wait 5 days, Here is the checks that they sent to me showing they did not get my money merrill has it and i want it back now, before i sue .They are liars and thieves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On my credit report, I had a hard inquiry from Barclays Bank DE as of XX/XX/2023. I contacted the bank by phone and sent a letter by fax on XX/XX/2023 to notify them that I had not applied for or opened any accounts/credit cards at their bank. I told them this was fraud and identity theft. They said an application for a credit card had been submitted but they would remove the application and mark it as fraud. I have not received a letter from them confirming this. They told me I would have to work with the credit bureaus to get the hard inquiry removed from my credit report. I told them that they had to fix this error due to it being fraud. To date, I still have not received a letter from them confirming that the application was removed and that they would provide an update to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Pressler & Pressler, LLP
State: NJ
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:
I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: UT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : # XXXX XXXX XXXX  In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX In the amount of {$2000.00} 15 U.S.C 2681 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ALLY FINANCIAL INC.
State: OH
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 have no relationship with this company and did not authorize this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Report Act these accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are XXXX  who routinely spent our winter months in Florida. Due to XXXX, we were unable to come to XXXX in XXXX and XXXX. Our Suntrust Bank switched over to Truist in XXXX of XXXX and we have been unable to access the checking account since. 
With declining health, we can no longer live the snowbird life and want to close the account and withdraw the money, a significant amount to us- {$6800.00}. 
After many attempts to phone and email Truist, we finally spoke to a branch manager who informed us the account had been declared dormant in XX/XX/XXXX, less than 2 years since we last visited a branch XXXX Florida. I believe the account should have stated current for 5 years, by Florida law. 
The advice we were given was to contact Florida Treasure Hunters to claim our money. We have accessed fltreasurehunters.gov numerous times, both on line and attempted phone calls but we can not find any information in our account. 
We would appreciate any advice on how to proceed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX a scam person faking a bank call me that someone try to transfer XXXX dollars wich I only have XXXX. he gave me a number to freeze the account and I follow him instructions to put on XXXX and he use my name with the number he gave me. and told me to wait for a call and dont open the account until XXXX hours. I look this morning and the money for the rent XXXX dollars. gone. I hope the police catch him first before I do. I got his number is ( XXXX ) XXXX. I wish someone give me his home address. I file a police report first. if the police wont catch this bugler I will

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my checking account with a positive balance. My account had a negative balance. On XX/XX/XXXX I contacted Chase to let them know I was aware of the negative balance of about {$100.00} ( mostly NSF fees ). I let Chase know that my direct deposit would hit within 2 weeks. On XX/XX/XXXX, I received confirmation that my direct deposit had posted. I also received confirmation that the payment to my Chase credit card that I had set up for XX/XX/XXXXXXXX  was successfully deducted from my checking account. The next day I tried to make a purchase and found out that chase had closed the account. I called customer service and they told me to call the collections department. I was never told that my account was in collections. All I had received was a text message or an email reminding me of the overdraft, which prompted me to contact Chase on XXXX. Anyways I called the collections department and was lied to that the account was closed on XX/XX/XXXX. It was still open on XX/XX/XXXXXXXX  and my direct deposit posted. It was still open on XX/XX/XXXXXXXX  when my credit card payment was deducted. After the account closed, Chase reversed the payment that had posed on my credit card account and immediately charged me {$29.00} for non payment. The payment was made and Chase was still holding XXXX of dollars hostage. I told Chase I would not pay the {$29.00} late fee because I wasn't late. The collections team arrogantly informed me that as a result of the closure I would not be able to open another account. They should have informed me on XX/XX/XXXXXXXX  and I would have opened a new account and set up my direct deposit to go through that account. I had to wait for days to get the money that Chase held hostage for no good reasons. The lady in collections also lied saying that I was a bad customer with multiple accounts closed. Last year or in XXXX, I closed one of my accounts myself. It was a prepaid account that I used for online purchases on sites I didn't trust. Chase converted that account into a checking account. Since I already had a checking account, I asked Chase to close it, because I didn't want to continue paying {$1200.00} a month for an empty account. That doesn't make me a bad client. I also remember that my savings account was converted into a checking account that I didn't need and was closed with a {$39.00} balance or less. These were fees that Chase had put on the account. I've been banking with Chase for decades. But it looks like unless you are a drug dealer or money launderer with millions, Chase doesn't care if you have food on XXXX. It's ridiculous that my account was closed for less than {$100.00} even though I contacted Chase to let them know money was coming in and the account had a positive balance when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 If I have reason to believe Acima Credit is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605.

In the original leasing agreement with Acima Credit, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima is evidence of this violation.

Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt. 
On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it. 
As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency

Company response to consumer: Closed with non-monetary relief