BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
so I had a issue with Suncoast credit union making my XXXX XXXX balance negative when it was supposed to be my Suncoast credit union debit card that was supposed to have the negative balance of XXXX owed. I had resolved things with Suncoast to resend the repayment option to XXXX  on their behalf of their mess up. I am now fighting with XXXX XXXX because due to Suncoast messing up a filed dispute wrong transaction I ended up repaying the negative repayment balance off to XXXX XXXX until they properly sent XXXX XXXX the XXXX credit back. I have since been arguing with XXXX XXXX regarding what they could do because I assumed it was XXXX XXXX mess up with me paying them back. I ended up paying off XXXX XXXX {$700.00} dollars along with another {$290.00} to bring my account current ( off incoming deposits from my clients ) due to thats how I get paid. As I only have one XXXX XXXX there was no other way to stop the deposits. So it was already repaying all of XXXX XXXX back. After XXXX XXXX received the check from Suncoast it repaid the last ( XXXX ) owed so I was left with a balance of {$700.00} dollars. So not only was I jipped from Suncoast from my projected full XXXX credit but also a credit of what I paid of " repayment '' to XXXX XXXX. I lost a total of {$290.00}, PLUS a total of {$700.00} dollars that equal to XXXX all due to Suncoast disputing something that shouldn't have been filed in the first place that has now costed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A few years ago I tried setting up auto-pay. It was a disaster. I was told to continue paying the bill until I got a notification that the auto-pay was established. I never got a notification, and so I continued to pay the bill. Suddenly, BofA debited my checking account for the most current bill even though I already paid it, so I had a credit balance. The following month I was debited again, retaining the credit balance. When I called and asked I was told there was " nothing that could be done about that. '' I asked for the refund of the credit balance but that request was denied. So my only recourse was to cancel the auto-pay, let the credit balance get used, and then continue to pay manually each month. 

Fast-forward to a few months ago. I tried once again to establish an auto-pay. After digging, I finally found the section on the ( very poorly designed, and I spent the latter part of my career designing websites and working with programmers, so I do know what I'm talking about ) website section, entered my account information, got no error messages, and moved on. I never got an acknowledgement that this actually happened, and so I've been paying manually. 

Today I called customer service to find out if the auto-pay is set up. I was told by XXXX, the customer service representative, that there was no auto-pay set up on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: P.S.C., Inc
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Puget Sound Collections indicated I had to submit " proof '' that it was on my XX/XX/XXXX report, which is attached

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 2020-06-01
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are working with multiple vendors but one specifically have been having difficulty with. Cross Country Mortgage will not give us an accurate Loan Estimate even after filling out their application and providing additional information like number of accounts and balances. I tried following up with the Loan Officer and he gave a Loan Estimate with a XXXX XXXX interest rate and would not provide an accurate rate based on verbal conversations until we agreed to move forward. 

We have found this loan officer to be pushy, and difficult to work with but feel its important that others do not fall into a trap based on not having transparent information upfront before moving forward with a loan and getting locked into something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: AZ
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 FCRA account # XXXX, XXXX XXXX XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2023-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America extra charges Interest charges of purchases Overdrafts

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 2017-09-22
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a US Citizen Retired XXXX XXXX but living in the XXXX for the 10-years so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that Transunion is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but Transunion continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX  XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?

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 2023-09-20
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/23 : I received an email from Resident Advocate claiming I owed them {$1300.00} with an incorrect address listed and said that I had to dispute the claim by XX/XX/23. I sent an email back to them on XX/XX/23 and disputed it due to an ongoing open case on the apartment. 

XX/XX/23 : I received a voicemail from Resident Advocate to call them. I then proceeded to send them a letter in the mail asking them to validate themselves by sending the original contract with my signature, the creditor 's information ; ( name, address, phone number ), the payment history with an itemized billing list associated with the account number and proof of ownership and that they are authorized to collect payment. And stated, " As per Section 609, I am entitled to see this information and you must provide it to me within 30 days. '' Then I put my legal representation with their phone number and signed the letter with my wet signature while letting them know they had the wrong address listed. 

XX/XX/23 : I received another voicemail from Hunter Warfield to call them. 

XX/XX/23 : I received another email with the same information I had previously saying I owed {$1300.00} and that I had until XX/XX/23 to dispute the claim again. 

XX/XX/23 : I received another email with a resolution offer for {$1100.00} saying I was allotted 30 days to make a payment to receive the 20 % savings. 

XX/XX/23 : I received another voicemail telling me to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I got an email from my XXXX college email address from a XXXX XXXX XXXX He was looking for anyone willing to work as his XXXX  on a part time basis. I applied for the job position. He said he was a professor at the XXXX XXXX XXXX, part of my job responsibilities would be running errands, making payment, booking appointments e.t.c On XX/XX/XXXX he sent two checks to my email. {$3500.00} and {$3800.00}. He said i would make deposits on his behalf to some orphanage. He asked me to transfer {$2000.00} to XXXX XXXX using XXXX, i said no and that i only make transactions through my bank. I eventually sent {$1000.00} using XXXX through USAA. Then he started presuring me to send the rest of the money, i saw that as ared i called my bank and spoke to an agent to alert them that its fraud and to dispute the {$1000.00} transaction through XXXX. I filled a police report online with the XXXX XXXX police department. Right now my bank is charging m the {$1000.00}. as a returned check, and also a returned check fee. USAA said theres nothing they can do about it. I contacted XXXX, and was told the transcation has posted and there's nothing they can do about it. Am having to pay {$1000.00} that i do not have, am having to bear the brunt even after alerting my bank immediately within 10 minutes to cancel the transaction. Am surprised USAA will authorize XXXX on their banking website knowing fully well that XXXX has no customer or fraud protection. All am asking is my loss or claim of {$1000.00} that was charged to my account and the returned check fee be refunded. Am a victim of fraud and a banking system that has no fraud protection for its customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: GMA Investments, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX  contacted my work number on Wednesday, XX/XX/2018. As I was off, they left a voicemail stating that if I did not respond immediately, they would be starting a verification of employment. I got the voicemail today ( XX/XX/2018 ), and called back immediately and left a message advising that I would like to make a payment arrangement of low monthly payments, as I was trying to get involved with a debt consolidation program. I received a return call from a Ms. XXXX or XXXX, but I had missed the call. I called back, and offered the same information I had left in my message. This rep rudely stated that she had already started the verification of employment process, because I did not call back yesterday. I told her I was not at work, and therefore would not have been able to call back, as I did not get the message until today. She told me they were going to start garnishing my wages, unless I paid the {$1300.00} I owed XXXX right away, or paid over {$170.00} bi-weekly. When I said I couldn't do either of those things, and again offered {$100.00} per month, she said she was putting me as " refuse to pay '', and would be garnishing my wages. When I cited FDCPA, she stated that they are not held to the FDCPA laws. I tried to explain that I was trying to find a debt consolidation program, and she said it wouldn't stop the garnishment. Her bullying and scare tactics caused me to have an XXXX XXXX, and had me in tears, because I can not afford to have money taken out of my paycheck.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, i have a loan with XXXX XXXX  XXXX  which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After faculty data did background check on my credit report they noticed one late payment that was reported from XXXX  and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T 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 non-monetary relief
Consumer complaint received 2018-11-09
Company: Capstone Credit & Collection, LLC.
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:
Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.

Company response to consumer: Closed with explanation