BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check totaling {$3000.00} XXXX from a client into my Bank of America business account. This client had paid me the same amount, from their same account thirty days prior on XX/XX/XXXX. Bank of America released those fund immediately, the check cleared and there was no issue. 

For the check I just deposited on the 1st they put a hold on all funds and have refused to release any funds, not even {$200.00} or {$400.00} per their own policy on their website under, Deposit Agreement and Disclosures. On Monday the first I called the bank. I pleaded and asked them to delete or ignore the deposited check, which was deposited via their mobile app, and they said they couldn't see the check yet and to call in the morning. I called Tuesday morning, again pleaded and begged, asked if they could call and confirm the funds with the other bank because this was the same amount, check, client they had just released funds for thirty days before. Again it was denied, " nothing we can do. '' I went into my local bank teller and asked if I could close my account or do anything to get this check cleared, I know my client has the money in her account so why are they doing this? No answers, just no. 

Due to the hold, my account is now XXXX. A loan payment was sent back, I have over {$300.00} in {$35.00} fees that were processed after I deposited the check. I wasn't able to buy a car which as a single mother of XXXX girls, XXXX to XXXX in age, I need desperately. I was already preapproved and ready to buy when this happened. I have tried everything I can including reviewing, The Expedited Funds Availability Act of 1987, which clearly states I should have access to my funds. There is no legitimate or substantial reason they are holding these funds.

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 2022-11-28
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am currently working with a XXXX XXXX XXXX XXXX and working to establish a debt management plan for my Discover Card. My entire balance is sitting at XXXX  % APR. I spoke with their XXXXXXXX XXXX  and XXXX department and they advised that the debt management plan was declined because I have a {$200.00} transaction sitting at XXXX percent. This transaction is found on my statements as ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. This transaction was the result of Discover reversing a double payment that took place on XX/XX/22. The {$200.00} should have been put back to the balance under the regular APR. 

When I've spoken with the XXXXXXXX XXXX and XXXX department they advise me they can not help me with the {$200.00} ACH transfer and that I must speak with Customer Service. Customer Service then tells me that there is nothing sitting at XXXX percent and there is nothing to correct and that my entire balance is at XXXX %. The XXXX XXXX and XXXX department is refusing to assist me with the debt management plan proposal as they have no clue what is going on with the ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. Neither department will speak with the other and they expect me to be the middleman for their company however all they do is bounce me back and forth between the departments. 

I have attached the letter I received from XXXX along with an email from the XXXX XXXX XXXX XXXX I am working with informing me why Discover declined the debt management plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The enclosed company have been hassling me though text messages and now email please help. i don't owe anything to them Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an 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 2021-01-15
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX  XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX  for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.

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 2023-04-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX reports that I owe them {$100.00} and the account is still open however Ive never had a 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  accounts has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A 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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
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:
After multiple failed attempts Experian continues to publish erroneous information pertaining to my credit profile. I've been disputing accounts with Experian whom continues to respond that they have investigated my complaints which they claim are accurate and verifiable. I deem this information to be false based on the DELETION of the same accounts from other Credit Reporting Agencies. Per the Fair Credit Reporting Act all information must be 100 % accurate. This stands as a violation of the FCRA for multiple violations 15 usc 1681e ( b ) ( Accuracy of Report ) 15 usc 1681c ( 5 ) 15 usc 1681 ( b ) Reasonable Procedures 15 usc 1681 ( a ) Accuracy And Fairness Amongst other violations these inaccurate reports have negatively affected my credit worthiness.

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 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
My account with Kohls XXXX XXXX  was settled, paid and closed over 6 years ago. At the time we settled and agreed as to a repayment plan, Kohls promised to remove this negative account from my credit once paid in full. To date it is still negatively affecting my credit score and they have refused to remove it. I have disputed this issue several times, to no avail. Kohls continues to report this account as delinquent accurate information which is not. I have paid them and they have not kept their promise to remove it. I have worked very hard to rebuild my credit and have kept it in good standing since my time of hardship. Please help me remove this negative account from my credit as it is far too old to still be affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with online retailer XXXX XXXX inXX/XX/XXXX. I paid my bills monthly. In XX/XX/XXXX-XX/XX/XXXX I ordered XXXX decorations. The items were of poor quality so I paid for the return. Multiple customer service representative verified the return but stated all items were not in the package. I wrote multiple letters asking them to check their warehouse and the post office because it was returned. They refuse to give remove the collection item.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened a XXXX XXXX XXXX with a {$300.00} bonus on XX/XX/22. Later that day I went to log in and it said account locked due to security. I called them and was informed the account has been closed due to a red flag. Ive called multiple times to inquire about the red flag to see if its an issue I need to fix and every time Im told no one can tell me what it is that. 
I should be entitled to know what the red flag is so I can address it and correct it. 
Have made numerous calls and denies every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2022-11-28
Company: EQUIFAX, INC.
State: TN
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  accounts has violated my rights. 

1 ) XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Siwell Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage is with capital mortgage of texas, they refuse to provide me with an amortization schedule with detailed information of the monies they have collected from me since the inception of my mortgage. I have noticed that my mortgae balance has some shoddy accounting going on and that each month the amount i pay to them is not being reflected in my mortgage balance I have made over 25 inquiries to the company and was assured by XXXX XXXX that she would work on this problem and rectify it She has not once returned my phone calls or emails. I have contacted several other at th company and not one person will return my calls. this has been going on since XX/XX/2020. I continue to pay my mortgage and still see discrepancies with the allocation of funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CURO Intermediate Holdings
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I looked at my credit report in 2020 & saw I was being wrongfully/in-accurately charged, so i decided to reach out & dispute with Ad astra Recovery Services about the incorrect/inacurate balance owed. Once This inaccurate debt started posting on my credit report through Ad Astra Recovery Services I made multiple attempts to reach out to Ad Astra Recovery Services & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. ( you being : Ad astra Recovery Services ) Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. Dates attempted to reach Ad astra Recovery Services were XX/XX/2020 & XX/XX/2020 ( Via certified mail ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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 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.

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 explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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:
Under Federal law, The bureaus have 30 days to complete there re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 day of the completion. These are the companies ( XXXX  ), ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
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 ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance 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 2023-07-25
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:
on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.

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