BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SVCS INC Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the emergency room XX/XX/XXXX. The hospital portion was paid ; the physician portion is not billed correctly to my insurance. XXXX XXXX gave me the biggest runaround. They refuse to rebuild XXXX as required by XXXX. Finally got a rebilled. It was paid. It was still sent to collections. I called the collection agency who was beyond BEYOND rude demanding I pay something I dont owe. They refused to call XXXX. As of XXXX XXXX the collection agency placed this report on my credit report. Damaged my credit drastically lowering my credit score. Per XXXX XXXX rep XXXX today, she stated they contacted the collection agency XX/XX/XXXX Which is about the time I contacted XXXX. She said they told them back then and sent notification that the account was paid. The collection agency is still trying to collect money from me that is not owed!!! 

Since the company that reported to the collection agency is getting a copy of this. I would like to note and finally complaint that their first representative was rude and hung up the call was not able to get her name. The second person XXXX was rude and unprofessional. She interrupted me a lot. She told me I need to contact the collection agency since they put it on my credit report. I told her they are not going to do that without her office contacting them since they put it in collections and its their responsibility. I told her I was going to file complaints with different agencies and she was very XXXX telling me do what I have to do! I asked to talk to her supervisor/manager and she said she was not available and that all of the supervisors leave at XXXX XXXX. I found it hard to believe that there was no management working. She told me to call back tomorrow at XXXX oclock in the morning but I told her it was their error in my expectation is that a XXXX call me and I doubt she put a request in. Just an overall bad experience and illegal collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: CT
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 a 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 2023-09-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023. I sent {$270.00} dollar using XXXX ( XXXX service ) from my Wells Fargo credit card for a gamingnservice. The service provider didnt provide the service and processed to completely blocked me. I have contacted XXXX and they said they couldnt dispute my money because it is processed

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 2022-07-10
Company: Dyck-O'Neal, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to CFPB 1006.34 Notice for validation of debts did not provide me with a proper validation of information required by law. For this account on my consumer credit report file. XXXX XXXX Account : # XXXX, XXXX. 
WHERE IS THE PROOF OF THIS INFORMATION? 
According to CFPB 1006.34 Notice for validation of debts ( a ) Validation information required. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

The Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing in hopes that you can assist me in recouping the funds granted to me this year by the XXXX, from Citibank. 
I am an XXXX XXXX, and a XXXX XXXX by trade, and on XX/XX/XXXX and XX/XX/XXXX respectively, I was awarded the XXXX XXXX XXXX  XXXX grants by the XXXX in the amounts of {$10000.00} and {$5000.00} in accordance with the CARES ACT signed earlier this year by President Biden. The funds were deposited into my Citibank personal checking account. At this time I anticipated no problems because I had previously received an ACH deposit for my XXXX in XXXX of XXXX. On XX/XX/XXXX I received into the same account, my second draw XXXX XXXX XXXX loan in the amount of {$1700.00}. All told, there was a total of {$16000.00} in my Citibank account in early XXXX. At or around this time, I noticed that I was unable to withdraw funds or make transactions utilizing my Citibank account. When I called the prescribed Customer Service number, I was told that my account was frozen pending received proof of business, in the form of XXXX, articles of incorporation, or a signed independent contract. On XX/XX/XXXX, I received a XXXX envelope with directions to include my signed contract which I did. 
I then received a letter informing me of Citibank 's decision to terminate my account within XXXX days and return all funds secured from the XXXX back to the treasury. 
I have since opened a business checking account with XXXX XXXX, updated my banking information in the XXXX XXXX, and have been waiting the return of my XXXX Grants to the Treasury Department so that the funds can be re-dispersed to my XXXX account.

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 2020-12-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.

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 2021-05-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, my Simple bank account was converted to a BBVA account. We were notified about this months in advance, so I checked my balances before the conversion, wrote down all my account information & downloaded the BBVA app so I could access my account. 

On the day of, I could NOT get into my account at all. Despite assurances that everything remained the same & we could access our account with no issue, I was blocked from getting my money. Fellow customers reported that customer services were inaccessible or had waits well over an hour before calls were disconnected. I left a comment on the company 's XXXX page that was never answered, as did many other Simple customers. Today is the XXXX & all the company has done is post XXXX statuses saying they extended customer service hours & put out automatic replies. This is the problem, we need live people!!! Preferably ones that aren't rude to us on the phone when we have legit concerns. Some people have all of their money tied to a BBVA account. 

I immediately transferred all of my money out since I knew how much I had saved. Even though I finally have access now, I don't feel comfortable banking with BBVA & I will be closing my account as soon as I verify that my paycheck does NOT go in there!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
From XXXX, my Bank of America HELOC account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current XXXX  report, those derogatory payment reports from XXXX remain. I disputed this situation with XXXX ( attached Dispute # XXXX ), but received a response saying that the Bank of America investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to XXXX, and I assume, then forwarded to Bank of America - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.

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 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
When I spoke to the merchant they said they only received a {$200.00} dispute from TD bank and I disputed {$800.00} or {$850.00} I believe! So TD bank did absolutely nothing to get my money back, the merchant even knows that these charges were duplicated! This is ridiculous TD bank just removed {$650.00} from my bank account no explanation no nothing just a provisional reversal! This is insane and I am completely sick to my stomach that they would take my money without even trying to get it back! I know I am tired of fighting for my money that I know was an error on behalf of the merchant! What is mine is mine and I am extremely upset and disappointed that TD bank would not rectify this as they shouldve have. The merchant stated that they did not send TD bank anything because they never received my dispute for the {$650.00} at all! This is legal robbery and I am tired of going through this with and for my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
THIS COMPANY HAS LIED! I sent them a notice to cease all communications as described in the FDCPA and they have responded to the cfpb that they would " honor '' my request and that they were going to stop communicating with me. They lied because they are still communicating with me about the alleged debt, The account goes as follows : XXXX. It is still reporting on my consumer reports which is a violation of the FDCPA due to indirect communication to the consumer. The fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. This company stated that they do their best to ensure that they follow all federal and state laws but clearly I have just caught them lying. I have attached exhibits proving my claim. Please direct your attention to the date they last reported which was a couple of days AFTER telling the cfpb that they would cease communications! This company is predatory to consumers and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Direct Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mr XXXX from direct recovery service called me about a debt from XXXX  XXXX. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the XX/XX/XXXX loan of {$410.00} the loan is from XXXX. I called XXXX XXXX to see if I owed them money and it was paid off XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the direct recovery services. Please do what is necessary to stop my harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 Deposited a check for {$4000.00} I wrote from a business that I own into my personal account at Bank of America via the ATM. The ATM must have scanned the check as reading {$9000.00}? I have not been able to confirm the ATM 's error with anyone at Bank of America, this is just my theory? 

XX/XX/2019 Bank of America debits my account for {$5000.00} leaving the pending deposit equal to the {$4000.00} amount of the check. 

XX/XX/2019 they {$4000.00} is subtracted from my business account at XXXX XXXX XXXX. 

XX/XX/2019, I notice a hold on my account at Bank of America for {$4000.00} that will be released on XX/XX/2019. 

I called and spoke to customer service. They explained that the error of the check being scanned at {$9000.00} has caused the check to be held to confirm funds. There is nothing that can be done to correct this situation. 

I understand that errors happen. I'm guessing the technology of the ATM didn't scan my check accurately. BUT, they can correct the mistake immediately by debiting my account for {$5000.00} but can't verify the funds are available in less than 11 days! 
During this process I had to make a cash deposit of {$4000.00} so that I may pay my bills! Mortgage payments, auto loans, XXXX, etc etc. This has now tied up {$4000.00} in the check amount on hold and caused me to use {$4000.00} additionally in the cash! Operating a business that is 100 % dependent on cash this is causing revenue loss. I am more than understanding that I should have more closely looked at what the ATM scanned the check for, but holding thousands of dollars for 11 days seems excessive. With the technology to move funds the way they are today this seems very unnecessary!

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