BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBVA Compass ( the Bank ) refused to provide me with substitute checks copies for your XXXX Checking Account ( # ... XXXX ). 

A certain number of checks were paid out of my account but the Bank will not provide me with copies of the cleared checks. I have also requested all of my funds currently being placed on hold/restricted/or otherwise be release to me immediately every single time I make callas to BBVA. 

Bank records show the XXXX Checking Account ( # ... XXXX ) in question was charged off on XX/XX/XXXX with a balance owed of {$230.00}. You also had two other deposit accounts ( # ... XXXX and # ... XXXX ) which were charged off on XX/XX/XXXX with balances owed of {$1300.00} and {$15.00}, respectively. Between XX/XX/XXXX and XX/XX/XXXX, a total of thirteen ( 13 ) checks were presented to this account ( s ) ( # ... XXXX and # ... XXXX and XXXX and were all allegedly returned unpaid. 

The checks that were presented to the account are as follows : XX/XX/XXXX Check # XXXX {$59000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$55000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$60000.00} XX/XX/XXXX Check # XXXX {$11000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$5000.00} XX/XX/XXXX Check # XXXX {$27000.00} XX/XX/XXXX Check # XXXX {$9800.00} On the memo portion of the checks, it states either for setoff and adjustment or Paid in full, for setoff/adjustment. 

Lastly, some checks appear to be electronically generated via computer with the routing number and account number for BBVA Compass but have the financial institution name listed as XXXX XXXX XXXX which were remitted in error and explanation given to XXXX at BBVA. 

Notice is hereby given that BBVA has forbidden me from ever entering any bank location. Ever! 

" Due to your behavior during one of these visits to the XXXX XXXX Banking Center on Tuesday, XX/XX/XXXX, the Bank has made the decision to revoke your privilege to enter and/or contact any BBVA Compass property. Contacting includes, but not limited to, telephone calls, emails, and social media direct messaging. Further appearance and/or contacting shall be considered trespassing and/or harassment, and the Bank will seek all remedies within its power. A No Trespass/No Contact Notification Letter with this information was sent to your address of record on XX/XX/XXXX. A copy of the No Trespass/No Contact Notification Letter is attached to the CFPB portal for your review. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXXm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-04
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: Old information reappears or never goes away

Complaint:
Equifax Complaint Closed accounts are being re-reported thus extending the 7 year timeframe for removal. 
They are stating credit debts now remain on your credit for 10 years instead of 7 and refusing to remove the closed accounts that are 7or more years old Refuse to allow one to speak to an " American '' supervisor who understands the how US mortgages, XXXX XXXX XXXX XXXX XXXX  bankruptcy and standard federal credit reporting law. 
Called several times between XXXX XX/XX/XXXX to report discharge of XXXX XXXX debts. They refused to update information with correct states. Instead they re-reported all closed accounts making them current and affecting my score. 
XX/XX/XXXX called to advise my credit score was XXXX XXXX less than the other 2 bureaus and the information was the same on all 3. They advised that 1 account closed in XXXX was the reason ( absolutely does not make sense ). 
I advised them it began when I was seeking mortgage in XX/XX/XXXX and the Equifax credit score was 20+ points different from the others. Now it is XXXX points and I have not had a delinquent account or missed payment since XXXX and I have not collection accounts at all. 
They provide my creditors with the following statements -severe delinquency ( no delinquencies at all ) -mostly pays on time ( only 1 missed pay due to covid in XX/XX/XXXX on 1 account ) - several collection items ( I have none ) I am also part of their class action and I feel this is retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Colony Brands, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I placed two individual orders from an XXXX catalog I received : I opened a credit account for {$750.00} for the 1st Order # XXXX. This totaled {$750.00} ( incl. Shipping/Handling fees ). This order included a number of items ; however, I only received one item, XXXX ( 2 ea. ) ; High-Waist Control Legging ( Size 3x Black ) ; {$59.00} each : total cost being {$110.00}. XXXX/XXXX  emails later stated delivery was made, though I received no such deliveries. I reported non-delivery details to XXXX  staff on XX/XX/XXXX via telephone call. I was advised that credit would be issued to my account for the items ordered that I did not receive. I was further advised not to contact XXXX  personally because this would interfere with XXXX XXXX responsibility in the process. [ XXXX  issues of non-delivery to many customers in the XXXX XXXX geographic area has been a recurring news story on local television. ] I also want to point out that Item XXXX XXXX were actually received in a package delivered by USPS that contained one item from Order # XXXX ( Size 2x Bomber Jacket  ), which was from a different order I subsequently placed. I have fully paid for the leggings received from XXXX # XXXX [ checks written : XX/XX/XXXX for {$40.00} ; XX/XX/XXXX for {$45.00} ; XX/XX/XXXX for {$50.00} -- this last payment would have generously covered all interest against the leggings total cost of {$110.00}! It would also either reduce my account balance to {$0.00} or reveal a credit on this account!! I fully paid off the second order ( this was also placed on XX/XX/XXXX ) with XXXX. I wrote out a check on XX/XX/XXXX for {$300.00}. I owe this company no money ; I choose to do no further business with them either! I wrote XXXX XX/XX/XXXX, as soon as I received their first statement -- contesting their reporting. XXXX has not issued the credits due me. XXXX continues to improperly bill me. XXXX in my opinion, continues to illegally charge accrued interest to my account. XXXX  has not even bothered to respond to that letter of XXXX/XXXX/XXXX. XXXX XXXX latest bill received shows a " New Balance '' of {$630.00} with a " Payment Due Date '' of XX/XX/XXXX. It also contains a " Finance Charge '' dated XX/XX/XXXX of {$13.00}. 
These actions to date will negatively impact my credit rating -- through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Taylor Law, PLLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a problem with Taylor Law pllc. If I get behind on payments they send me a letter that looks like a letter from a lawyer and says they have contacted the sheriffs department in my area. They say they have filed a case in court. They also have changed their name. They wont provide a receipt to my email. One time I showed up to court on a specified date and they did not show up. Where I live in Indiana I should have won by default.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I applied for a Capital One credit on XXXX XXXX. Capital One hard pulled my XXXX credit report on the XXXX and they hard pulled XXXX again on the XXXX. They denied my application on the XXXX saying the reason is there are too many inquiries on the XXXX credit report. This is ridiculous! First of all, Capital One does not need to pull my XXXX report twice in two days. Secondly, after they hard pulled my credit report twice in two days then denying my application based on that makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the XXXX card by Capital One since I was lead there by an advertisement stating new cardholders would receive a XXXX $ bonus if they spent XXXX $ within the first three months of opening the card. I clicked apply, still have a picture of the same advertisement, and got a response stating to confirm the terms to my new XXXX card. I proceeded to spend over XXXX $ in the first month alone. Come to find out I did receive the XXXX card, but this was a special XXXX card. The only difference is that there is no signup bonus, the only reason I got the card in the first place. They say the terms I agreed to was a " counteroffer '' with a special XXXX card without this bonus. The advertisement, which is still on their website, was a misleading tactic to get me to go to this company without giving me anything in return. There are hundreds of credit card companies out there, all of which with some signup bonus, and there is no reason they should expect someone applying for this bonus to have any need for the card without it. I feel completely taken advantage of by misleading advertising tactics. After talking to 4 different people and a process of being hung up on and put on hold for a total amount of time of 2 hours, they said they couldn't give me a single reason as to why I did not qualify for the bonus. What is wrong with me that I get the XXXX card, except I don't get the signup bonus, which was the only reason I wanted the card. They said they can not put in a request to review this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Stern Recovery Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2021, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2017-10-12
Company: Allied Collection Services, Inc. (Nevada)
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit monitoring service reported that Allied Collection Services of XXXX XXXX reported an account to the credit bureaus. Allied Collection is in clear violation of the FCRA and the FDCPA. No prior notice of this alleged debt was ever provided. When I contacted them by phone for an explanation, they refused to provide any assistance and disconnected the call without explanation. I dispute any purported debt in its entirety. 

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 2018-01-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Earnest Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX failed to communicate a transfer a service which resulted in a payment to Earnest that should have gone to the new loan servicer, XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Over a period of a year and a half up to 10 inquires were added to our Equifax reports for the one loan we were seeking approval for. Starting in XX/XX/2017 up to the present the inquires on our Equifax report were for one loan and that should be noted. One or two inquires have dropped off our reports but there are still up to 8 still listed. Our view is one loan, one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, and before I have sent multiple letters to Penn Credit Corp, and offered to pay the balance IN FULL, to which they have never responded, since they have refused full payment, I am assuming the alleged debt is not owed, and as such, I would like the trade line deleted from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already contacted bank of America and told them this overdrawn amount in the checking account of : XXXX is fraudulent. My wallet was stolen and someone deposit and withdrew money from my account. I called bank of america and they have yet to resolve this issue

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 2021-04-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 



Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX, and XXXX XXXX and XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 

Provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 



Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 



Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above reqd proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions 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:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX  XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

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