BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I purchased tickets through XXXX XXXX. The original charge was for {$1200.00}. After the initial charge, XXXX charged my account for each ticket individually causing my account to go negative because the charges were done twice. Upon contacting CapitalOne I was told that there was nothing they could do to help me because some companies do that to protect their transactions. They told me I would have to wait until the pending transaction dropped off on its own. 

XXXX essentially double dipped and overdrew my account but MY bank can not do anything to protect my interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a loan modification with New American Funding. I received a call from XXXX XXXX - XXXX, claiming to be with New American Customer Care, Loan Modification department, on or about XX/XX/2019. He instructed me that my account was transferred to his department for a modification, and I must make my payments to his office. I paid him on XX/XX/2019, and XX/XX/2019, each time in the amount of {$2300.00}, using XXXX XXXX XXXX cards purchased through XXXX Since then I have spoken directly with New American Funding who said they never heard of him, and my account has not been credited. When he called me this morning, he told me to cancel the payment I made today directly to New American, and send the money to him, or else the Loan Modification will be cancelled. Then I had a call from XXXX XXXX at XXXX, who said he was also with New American Funding Customer Care, and I had better contact XXXX XXXX and straighten the payment situation, or the modification will be cancelled, and I will have to make up the several back payments which I can not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/2023 I received a letter from Bank of America informing me that they have made a decision to close my accounts. I contacted the headquarters and was told my a representative that the decision is permanent and they can not disclose why the decision was made. I realize that I do have a legal matter with the government but I am fulfilling my obligations with them. I have been with Bank of America for many, many years. Please advise. What recourse do I have? 
Thank you.

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 2022-02-15
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

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 2018-04-08
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.

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 2023-12-07
Company: Diversified Adjustment Service, Inc.
State: IL
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:
Incorrect information is being reported on my credit report which is adversely affecting my ability to have credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake Financial is continuesly reporting on my credit inaccurately. They have been provided ample amount of time to correct their errors. Multiple disputes via XXXX, XXXX and XXXX. They insist on not correcting their mistakes properly. Due to my rights by law as a consumer and fair credit reporting act I have the right to fair and accurate reporting on my credit.Thank you for your help in the resolution of this particular matter, issue! 
XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: P.S.C., Inc
State: CA
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:
XXXX. Puget Sound Collections has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report. 

XXXX. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt. 

XXXX. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation. 

XXXX. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information. 

XXXX. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

XXXX. XXXX XXXX XXXX XXXX, Puget Sound Collections and the consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

XXXX. Any and all consent to XXXX, XXXX, XXXX, Puget Sound Collections whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

XXXX. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.

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 2022-02-15
Company: Experian Information Solutions 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-12-07
Company: ACRANET INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize ACRANET to run my credit report.

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 2023-12-08
Company: Arivo Acceptance, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Deletion of Unauthorized Credit Inquiry ARIVO ACCEPTANCE LLC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Advantage Credit, Inc.
State: WA
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:
Applied for a conventional loan on a new home purchase and when I was sent my credit report it was showing two different social security numbers attached to my credit report. One was correct and one was not mine. The bank is asking for an explanation. I am XXXX and have never seen this number appear is previous credit reports. How do i get the number removed from my credit report going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Credit Karma, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I made a purchase over the phone from a company I found online for a transmission. The salesman promised to call back within 3 days with a tracking number. After a week I tried to call back. My number was blocked. My wife called and he said he would check it out and call her back. Never heard from him and her number got blocked. Credit card charge was from XXXX. We contacted XXXX auto parts and they had no record of our purchase and said we had apparently been victims of a scammer that was using their name and we werent the first ones to report it them. 

We reported the fraudulently purchase of {$860.00} to Credit Karma on XXXX XXXX They said we would receive a provisional credit within 10 business days. After 12 business days we called and they said the credit would air within a few hours. Today we have called and spoken to 6 different people who are all located in XXXX XXXX and will not even tell us if there is an active office in the US, who all said the dispute was resolved because they received overwhelming evidence from the vendor that the purchase was legitimate, but they refuse to provide us with the information of how they contacted the vendor, what the vendors legitimate business name is, a tracking number with proof that it was delivered to us or any information as you hope they reached their decision of denying our valid dispute.

We tried to contact the Credit Karma headquarters in bc XXXX, California, but the number posted is invalid. We have proof that the person is a scammer. How can we get our credit back from Credit Karma? They refuse to transfer us to a customer retention department or a supervisor and will not transfer us to the dispute department. At this point not only are we being scammed by a professional scam artist ( XXXX with phone number XXXX who calls himself XXXX XXXX from New York ), but we are also being scammed by Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX, XXXX ACCOUNT # XXXX 15 USC 1681 section 602 A - States that i have the right to privacy 15 USC 1681 section 604 A - It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 recorder of convictions of crimes which antedate the report by seven years.

15 USC 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 have 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 2021-07-06
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX. 

Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account. 

However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation. 

Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX  XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX  XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau. 

Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance

with the written instructions of the consumer to whom it relates. Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2019-07-13
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
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: Account information incorrect

Complaint:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

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