BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX Attachments XXXX AM ( XXXX minutes ago ) to XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX : I have been a BOA customer since XXXX and have been designated a Preferred Reward Platinum Customer. I have both personal and business accounts with BOA. Yesterday, I received in the mail a check from BOA in the amount of {$2000.00} ( copy attached ) for an account ending in XXXX. The only explanation was a statement that said, " closing balance ''. When I looked at all of my accounts online, I could find no record of this account although I know it existed and had a balance in excess of {$2000.00}. I attempted to call the phone number on the correspondence and a recording indicated that this office was not open on the weekends. I called both the customer service and security call centers today and was told that only the closed account department could provide any assistance. 

This action taken by BOA, to close a savings account without any prior notification or communication is very disturbing. The fact that any trace of this account was wiped clean from my online banking records is even more troubling. Obviously, I am concerned that BOA could take this same action on any of my other XXXX accounts. I thought this would only be a concern if there were a cyber attack on BOA. Little did I know that BOA could take action against a customer that would replicate a cyber attack. 

I am therefore demanding that BOA provide : 1. An explanation as to why my account, ending in XXXX was closed, 2. Under what authority you were permitted to take this action, XXXX. Why I can find no trace of this account in my online banking records, 4. Provide me with a verified, final accounting of the balance in this account, and 5. Explain how BOA will rectify and compensate me for this action and provide me with assurance as to how BOA will prevent this from happening to me again. 


Sincerely, XXXX XXXX XXXX CC : XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau Attachments area

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 2022-03-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to my last statement with XXXX  XXXX my balance was {$750.00}. How is it in collections for {$1000.00} CURRENT BALANCE 1  {$1000.00} Original Creditor XXXX XXXX XXXX XXXX 

Merchant or Service provider MIDLAND CREDIT MANAGEMENT , INC. - XXXX Original Account Number XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.

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 2017-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Collections Acquisition Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: JPMORGAN CHASE & CO.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB AUTO XXXX Balance Owed : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: U.S. Auto Credit Corporation
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:
I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Possible Financial 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: Investigation took more than 30 days

Complaint:
Possible Finance is reporting inaccurate information to my XXXX  credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: U.S. BANCORP
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
When applying for this auto loan I applied for a commercial auto loan for my business. I was told that US Bank needed me to be guarantor on the loan since I am an owner of the business. I agreed because I do all my banking and have another auto loan with them. When my first payment came due I was unable to make the payment because the US Bank advised me the loan was entered under the wrong EIN number, the dealership never actually ran my business credit and instead pulled the UBI number from the state website. The UBI number was never provided by myself or authorized to be used. I provided the dealership with the correct EIN on multiple occasions under the impression that I would get a good rate because of strong business credit. This loan not only had the completely wrong and unauthorized number used to gain bank approval, I never received any documentation via USPS because the dealership also entered the wrong address. I am 4 days past the payment date, I have called approximately 30 times from XX/XX/XXXX-XX/XX/XXXX and never received a resolution. I requested the dealership send the US Bank representatives phone number and they refused. I was told the rate doesn't matter and won't change based on credit. This of course is inaccurate and not true. I spent 3 hours at the dealership on XX/XX/XXXX and received no answers or resolutions. I have requested the loan be terminated and I will purchase a car elsewhere. This request has not been satisfied.

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 2022-03-13
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company and explained to them I had no knowledge of the account. They asked me to verify my information, they confirmed they didnt have the correct information so I blindly gave them my correct information in hopes of clearing all confusion then they attached it to my credit. They then began to report on my credit a different amount that they previously told me in our first conversation and went as far as reporting I made over 10 payments in the last year which is untrue. I havent had any contact with this company since our initial conversation almost 3 years ago now and Ive never made a payment or agreed to settle the debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. 
I am currently on XXXX  and was XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX  and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing, from the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX  XXXX XXXX # XXXX Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I get about 10 calls a day from a company telling me I need to quickly use them to forgive my student debt before time runs out. Once I start asking questions about how to prove they are not a scam, or if I can find them online, they immediately hang up. Day after day, these calls come in, even though my number is on the Do Not Call list. These are the phone numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the XXXX I recieved a payment in Bitcoin from XXXX I immediatly recieved the payment including an email from Coinbase saying I will be able to use the funds after 6 confirms. 

I 've been waiting 1 month now to be able to use the money. 

Today EXACTLY 1 month after recieving the bitcoin payment it suddenly DISSAPEARED of my coinbase wallet ( transaction list ) So I basically got scammed by Coinbase the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CITIBANK, N.A.
State: IL
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 asked citibank if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me

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 2021-11-06
Company: EQUIFAX, INC.
State: GA
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:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been more than 45 days with no response from the credit agencies. 

The following items do not belong to me : The following addresses are not mine : XXXX XXXX , XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax ) This is not my Account : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$660.00} & Opened XX/XX/2020 XXXX, XXXX, Equifax ) I was never late on the following accounts or Chargeoff : XXXX XXXX XXXX - XXXX is reporting an inaccurate Chargeoff and Equifax is reporting an inaccurate 120 days late XXXX is reporting an inaccurate 120 days late Incorrect names : XXXX ( XXXX ) I can't understand why is XXXX reporting all of these inaccurate Information. XXXX has not verified any of this information because this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: GA
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:
After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting an incorrect address of XXXX XXXX XXXX XXXX XXXX is reporting an incorrect address of XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : XXXX XXXX XXXX is not mine and its reporting on XXXX ; Bal : {$22000.00} and it is reporting as a duplicate ; and again on Equifax There is also a bankruptcy that is inaccurately reporting on both my XXXX and Equifax file. 

I believe XXXX is acting as a credit furnisher. I have submitted request to creditor and they stated that I need to submit dispute to credit agency. However, XXXX is not complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NJ
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 XXXX  - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX emailed me informing me that the balance would be waived and all late fee 's would be removed to show the account settled in full as it should have been since XXXX. 

XXXX did their part up until today XX/XX/XXXX, I noticed Experian updated the account as " paid, was a charge off '' and ALL of the late payments are reflecting again. 

This is inaccurate on Experian 's part and I would like for them to resolve this ASAP as XXXX did their diligence and updated XXXX XXXX XXXX to report this. 

See attached new documentation for XXXX XXXX XXXX Account # 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 2021-11-06
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector has been reporting negative and inaccurate information that's hurting my credit and will like for you to investigate this account. I understand I underwent XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated 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