BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The first time I received a copy of a summons from Rubin and Rothman was on XX/XX/XXXX in reference to an old debt from XX/XX/XXXX for XXXX XXXX  credit card. I know it is time barred and when I s/w the debt collector back in XX/XX/XXXX I told them I had no reciliation on it as it was so old, so he said he was going to put in a denial and I also mentioned it was time barred and he had no reply. Attached is a copy of the old summons from XX/XX/XXXX that they sent to me, it was hand delivered to a residence of XXXX XXXX XXXX, XXXX, NY XXXX and handed to an XXXX XXXX. I have never been a residence of this address and have I never been AKA XXXX XXXX. A XXXX XXXX ( XXXX ) did reside there with a XXXX XXXX and have no knowledge of any XXXX XXXX. 
I was a residence in XXXX County, NY first on XXXX XXXX XXXX XXXX XXXX XXXX, NY from XXXX to XX/XX/XXXX then I resided on XXXX XXXX XXXX, XXXX, NY from XX/XX/XXXX to XX/XX/XXXX and I never received any papers on this until XX/XX/XXXX after I moved to XXXX XXXX XXXX, XXXX XXXX, NY on XX/XX/XXXX. Then on XX/XX/XXXX I received a certified mail for an income execution from the XXXX County, NY Sheriff 's dept. where Rubin and Rothman are looking for me to pay a time barred debt. I have attached all of the paper work. Please advise and help take action on Rubin and Rothman for Violation of the Fair Debt Collection Practice act.. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX e-mail 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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We recently used the Bank of America 's Payment and Invoice services to receive payment from a client of our 's for a time sensitive project. We were under the impression that this would be a pretty seamless process but we later discovered that the Bank of America is basically using a third party processing company with little to no customer support. After our customer paid our invoice we then received a date when we would receive our funds. When that date came we received a notification via email that the payment would be delayed. No worries, it was just delayed by 5 days. So here we are 5 days later and no ACH received from Bank of America. This payment is now 12 days late when the standard ACH only takes about 3 business at the most to reflect. We reached out to the Bank to voice our discomfort about how this process is going and Bank of America placed our bank account under review and 15 minutes later they closed our account with " no notice '' at all. Mind you our customers ' {$16000.00} payment to us is now in limbo. Before using this product we did a little research and learned that this product would benefit our company greatly by simplifying our payments by ACH, so it stunned us to find out they they are using a processing company with 2 stars on Trustpilot to process ACH 's when Bank of America themselves can easily process ACH 's. We feel like our account was closed maliciously.

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 2021-03-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank closed my account after I received a deposit for loan. They said they wont release funds to me or send them back to lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CBC Companies, 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: Personal information incorrect

Complaint:
Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the XXXX credit bureaus ( TransUnion, XXXX and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from TransUnion and XXXX stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from 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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) XXXX  for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but XXXX has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and FRB. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
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 have been with America First Credit Union for several years. I have always paid my balances on time. On XX/XX/XXXX I used their app to pay off my credit card balance. However, their limit was {$2500.00}. My balance was {$4900.00} so I made the {$2500.00} payment and called the very next day and spoke with XXXX. I told her there was a limit and I wanted to pay off my credit card balance but the app wouldnt allow it. She said she would take the remaining balance payment over the phone and waive the fee. Everything was great until I looked at my XXXX statement and I saw she did NOT take the authorized amount of {$2400.00}. Instead she processed XXXX. I did not authorize this nor was this the correct balance. I immediately called and spoke with XXXX. She corrected the situation by providing a XXXX credit to my checking. When asked about the interest fees she stated on a recorded line that because payment want in full I was assessed interest. I explained to her what had happened and asked for them to waive it because of THEIR limits. She could not. She transferred me to XXXX who wasnt able to help either. Finally I get another supervisor who said shed try to make an exception and would call me back. She called me back shortly after we hung up and said they couldnt waive the fees but recommended I pay earlier than my due date. This is unacceptable and honestly quite scandalous. I paid my balance on XX/XX/XXXX and XX/XX/XXXX. I shouldnt be charged frivolous interest on XXXX for a zero balance. I request the interest be removed and my account balance brought to zero as intended by my on time payments. Thank you in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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:
I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and Experian - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.

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 2021-01-14
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
RECEIVED A NOTICE FROM MY COMPANY HR DEPARTMENT THAT AN UNEMPLOYMENT CLAIM HAD BEEN FILED AGAINST MY NAME AND SS NUMBER LAST WEEK

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 2019-01-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a  statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company : MOUNTAIN RUN SOLUTIONS LLLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Balance : {$650.00} A negative credit item from XXXX, such as a charge-off should not remain on my credit report for more than 4 years from the date of first delinquency. The MOUNTAIN RUN SOLUTIONS LLC collection agency that may must comply with that same date for the charged-off account. 

This clearly means the debt collector such as MOUNTAIN RUN SOLUTIONS LLC reports the date of first delinquency XX/XX/2019 to the credit bureaus and the original creditor previously reported an date than is more then 9 years since the last reported collection bill from monotronics and first delinquency. The XX/XX/2019 date must be the same date of first delinquency. The date of first delinquency is what determines when the tradeline should be removed from your credit reports. 

The date of first delinquency is based off the first time of the missed payment and no other payments were made which lead to the account being put in charge-off status approximately 180 days later. The states statute of limitations on the debt is 4 years. Any different date constitutes illegal re-aging.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
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 NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX  XXXX XXXX XXXX account in the amount of XXXX reported late payments on my account when 15 USC 1666B states they can not report a late payment unless they send a statement within 21 days of my payment. Also 15 USC 6802B was violated for the simple fact my information was suppose to be protected and not disclosed to third party contact.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I never gave Bank of America permission to sale or trade anything from Cash management account I never gave Bank of America permission to change or to change beneficiary with the SEc filings report I own 10 % of the company someone taking an that why account got close illegally transaction embezzlement money laundering by law u have to contact the stock holder any transaction failed to do that any loans grant 's anything failed to do that leave me one reason the next person who changed anything on my account file federal charges my shares my interest better be deposited in to my Cash management 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 2021-01-14
Company: EQUIFAX, INC.
State: NJ
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:
Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 am a victim of identity theft and I have noticed some unauthorized inquires, unverified and unauthorized items that must be removed. I have attached the FTC report and I would like to dispute the accounts below. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information from my credit report. INQUIRIES XXXX XXXX XXXX XXXX XXXX THERE ARE XXXX XXXX XXXX INQURIES THAT I LISTED THAT ARE FRAUDULENT PLEASE REMOVE BOTH.ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.I also received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within XXXX days of the receipt of this letter. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} 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. ACCT NAME : XXXX XXXX XXXX-ACCT # XXXX 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. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} 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. ACCT NAME : XXXX XXXX XXXX # XXXX 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.ACCT XXXX XXXX XXXX XXXX OPENED ON XX/XX/2016 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.ACCT NAME : XXXX XXXX XXXX # XXXX 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.

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