BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute.According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-02-19
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There are XXXX fradulent transactions in my Bank of America account, mentioning that they were from my employer.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: MD
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 name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name XXXX XXXX XXXX -ACCT-XXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT 2005 Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX  - ACCT 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 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. 1681s-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 non-monetary relief
Consumer complaint received 2021-02-19
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost my wallet on XX/XX/XXXX in Washington DC. The person who found the wallet withdrew money from my bank account at the ATM. I called the bank and froze my account and reported the fraud that occurred on the account. I also called the police and opened a claim for the lost. The bank name is TD bank, they took first of all a month to send me a card then without contacting regarding the case they denied the claim. I appealed and got denied because they said I missed their call. I decided to reappeal because I did not make these charge and need my money back. yesterday, I called the bank and asked for the case to be reopened. The lady I talked to told me that the case was lacking details and she was going to get more details from me. I re explained what happened and asked if they could work with the police and get more footage videos from the bank where the person took the money. I am very disappointed in the way they handled my case. First, my card took forever to be sent knowing that I have XXXX kids and I use my card on the daily base. Second, they did not follow up with me regarding the case or call me for more information. Also, they are denying the case base on how they are feeling about it without checking evidences on either or not the fraud occurred. Please I am writing this complaint for you to help me. I lost around XXXX dollars and that is a lot of money for a single mom. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a wrongful use of my checking account from XXXX XXXXXXXX XXXX I asked help from the Bank that it was not me who purchased it. Staff from the bank said they will do a dispute and I dont have to do anything. Dispute came back and said I authorized the transaction. They closed my checking account. Few months came I received a notice about a debt in collection from XXXX XXXX XXXX that I owe {$590.00}. 

The original transaction from XXXX XXXX XXXX  was {$530.00}. I did not receive a notice from XXXX that about the {$530.00} and this was sent directly to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Reference XXXX XXXX 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 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 2021-02-19
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a total of {$200.00} deposit to my cash app. The cash app showed a total of {$150.00}. I dispute the amount before any withdrawal was taken from the {$150.00}. They continue to address the {$150.00} and the transfers made. I have disputed on several occasions the inaccuracy of the amount. I am requesting {$46.00} be returned to my account. Cash app continues to close the complaint without rectifying their error. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After the collection agency had called me 3 or 4 times, leaving a voicemail message, I returned their call and asked that they do not call me, that they can send notice by mail to my address, since I only use my phone for emergency purposes. The agent replied " we tried that and it didn't work ''. I hung up on them at that point and have never answered any of the over 50 calls with voicemail they've made. Call frequency is to call back in 1 to 5 days later. Most often they will call every 2-4 days. This has gone on for at least 6 months and I feel harassed. 
The agency has already entered a non-payment record in my credit report, yet still tries every 2 and 4 days to contact me. I have blocked the # but it still goes just immediately to voicemail and they always leave the same recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I paid {$4100.00} for a XXXX year gym membership and coaching program. In the last of XX/XX/XXXX the gym closed suddenly ( it was XXXX days notice that they wouldn't be open on XX/XX/XXXX ). The gym also stopped providing the online programming/coaching that went with this membership. They did not refund the 5 months of the XXXX year paid - this amount was {$1700.00}. 

That amount was disputed with AMEX, which I used for the purchase. They initially refunded the account. However, they later re-applied the charge stating the vendor had submitted documentation. 

The documentation submitted was sent to me - it was a month-month contract ( which was not our contract XXXX not signed by me. There was a signature on the document which clearly is not mine. The reason given by AMEX for re-applying the charge was that I " did not follow cancellation procedure ''. This reason does not make sense given the business closed and the owners immediately moved out of state. And, as mentioned, they also stopped providing the online coaching component of the membership. 

I notified AMEX that the document submitted was not signed by me and did not even match the type of membership I had with the vendor. They did not review the case again. As they started to charge me interest on the re-applied balance I paid the charge again today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, National Credit Adjusters reported a collection account for XXXX XXXX XXXX in the amount of {$820.00} on my credit bureau file. On XX/XX/XXXX, I sent a certified letter to National Credit Adjusters disputing the debt and requesting specific information be provided to me ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. In XX/XX/XXXX, the collection account was deleted from by credit bureau file. In XX/XX/XXXX, National Credit Adjusters began reporting the collection account again without notifying me. To date, National Credit Adjusters has never contacted me or sent any information regarding the validation of this debt. National Credit Adjusters has continued to violate the FDCPA regulations by refusing to provide me with any verification of the debt. In XXXX, National Credit Adjusters was sued by the CFPB for multiple violations related to their collection activities. National Credit Adjusters has a long history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. There have been 1217 complaints filed against National Credit Adjusters at the CFPB. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately. I have also filed a complaint with the Florida Attorney General requesting they investigate the deceptive collection actions of National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have banked with Bank of America Small Business for over a year. Every month, there is a check deposit made into the account from the same payor and the same amount. During the first several months this account was opened, the bank would put a full 15 day hold on this deposited check. The first time they did this, I was hit with seven returned item fees for {$35.00} each because I was anticipating a 5 day hold based on the deposit receipt I received when I made the deposit. I was told 5 days and then they arbitrarily changed this to 15 days. When I complained, they returned ONE of the returned item fees for {$35.00} and kept {$210.00}. A few months later, I spoke with a banker who told me the bank would no longer put a hold on deposits made from this payor because it was a corporate check, the funds had always cleared and my account was in good standing. The month immediately after this conversation, I made the exact same deposit, same amount, same payor, and a 5 day hold was placed on the check. When I called customer service, they reduced the hold to 3 days and released 25 % of the funds immediately. However, that month they still returned 5 items after the payments had already posted to the account, and refused to refund any of them. This month, on XX/XX/2019, I was hit with another five returned item fees for {$35.00} each because they split the deposit into two separate holds even though the teller at the bank where I made the deposit told me the full amount would be released in 3 days. When I called this morning and spoke with " XXXX '', she went into the account and released the full amount immediately and told me the bank puts " a hold on checks because there has been a surge in fraud and they do it to protect my interests ''. I then asked for a refund of the fees I was charged, she asked me to hold while she looked into the account. She then returned to the call and told me she would not be able to refund any of those fees. I asked as to the reason why she couldn't and she said " looking at the account, the payments, these fees, I can't do anything ''. How is this " protecting my interests ''? The account has always been in good standing, the only problems relate to hold periods which seem to arbitrarily change to trigger fees. This is gross and intentional abuse of depositors for the benefit of the banks bottom line.

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 2021-03-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Westlake Services, LLC
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:
In accordance with the fair credit reporting act XXXX Acctount # has violated my rights. 

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 an account without my written instructions.

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

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 2023-02-01
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, while applying for a mortgage, my lender made me aware of a major derogatory account on my credit reports from XXXX and XXXX. XXXX XXXX XXXX subsidiary XXXX was attempting to collect a debt of {$750.00} from me through XXXX XXXX XXXX ( XXXX, FL ) collection agency. I had never had a XXXX account. 

I opened disputes with XXXX and XXXX on XX/XX/XXXX both of which were resolved in my favor. The item was deleted from XXXX report on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I have attached reports for both disputes. ( I should note that the presence of this item on my credit report had a negative impact on the interest rate on the mortgage for which I was approved ). 

While going through my credit report again on XX/XX/XXXX I became aware of another debt collection claim against me from XXXX which had been filed on XX/XX/XXXX. At this time XXXX hired Credence Resource Management ( XXXX, TX ) as the collection agency. I immediately filed a new dispute. 

On XX/XX/XXXX I received a Fraud Packet from Credence to my actual home address which they were apparently able to obtain through the dispute I opened with XXXX. The gist of the letter was that I had filed a fraud and identity theft claim and that in order to make this claim I was required to send Credence an affidavit, valid US government issued ID and a police report. Of course, I had not made a claim of identity theft, but mistaken identity. The situation was more like debt tagging but with the creditor rather than the collector undertaking the debt tagging by hiring successive collection agencies to refile the false claim. 

On XX/XX/XXXX my XXXX score was decreased by XXXX points and my credit rating was downgraded from very good to good. There were no intervening alerts in my credit report to explain the sudden and substantial decrease in my XXXX score. 

I should note that only XXXX acknowledged Credence Resource Management Cos effort to flag me as a credit risk. I continue to be in touch with XXXX to resolve the current dispute which is little more than a zombie version of the claim I discovered in XXXX. 

It is very important that this matter be resolved once and for all and that XXXX in particular be held accountable for their actions. It is an undue burden for consumers such as myself who are working hard and paying their bills on time to have to constantly be on guard for false debt claims from large corporations whose incompetence causes real world consequences for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Direct Recovery Services, LLC
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:
DRS contacted my parents and informed them of my debt and scared them by telling them I needed to have legal counsel and contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.

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