BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
midland funding has two judgements against me and in XXXX by phone they said the first one was paid and knowing I could not afford 3 payments a month, I worked out a payment plan in XXXX for the second one for {$97.00}. my credit report in XXXX reflected I owed midland {$9.00} for the first one. In XXXX midland stopped garnishing me for the first one. Then in XXXX, midland has garnished me twice for {$100.00} each, for the first one. My employer can't stop them for taking money from me even though the garnishment should have been paid off already. I don't know what to do. I can not afford to pay midland {$330.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America non receptive to my complaint and does not refund my money.

On XX/XX/2018, using the Bank of America website, I made a request to transfer money from XXXX  XXXX to my Bank of America checking account in the amount of {$800.00}. It was for a 1 business day transfer. It's now XX/XX/XXXX and the amount of {$800.00} still has not reflected in my BOA account. The amount of {$800.00} was debited from XXXX on XX/XX/2018. 

I tried contacting Bank of America and spoke to about 15 associates and my problem is still not resolved. My issue was escalated to Bank of America executive customer service. I spoke to XXXX who stated I should receive my {$800.00} back to my XXXX XXXX account today ( XX/XX/2018 ). The money is still not in my account. Everyone just transfers me to another associate or states that the money will reflect in my account within 1 business day. It's been 14 days and no one knows what is going on. The Bank of America confirmation number for the transfer is XXXX. The executive customer number I was given is : ( XXXX ) XXXX. Case # given is 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 monetary relief
Consumer complaint received 2018-05-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the debt collector to figure out what was the amount of debt in my account but did not match what I am currently seeing under XXXX XXXX. They argued that I will have to pay the amount they are showing regardless and I refused because under FDCPA Section 807 ( 2 ) they Misrepresenting the character amount, or legal status of the debt. I asked for my account # because I wanted to start a dispute using XXXX XXXX and they question me on why I needed it with an attitude. The debt collector then said " I make sure to put the new debt on your credit report so you have no other choice other than to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 
XXXX XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 
XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please fix all the FCRA violations above and below XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX a Reason XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX remove all address no longer live there address caused my violations FCRA

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 2020-05-15
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Jefferson Capital Systems has been repeatedly calling my sons grandmother. I have never given them her phone number. There is no reason for them to be calling her. They are not suppose to be calling anyone other than me in regards to my debt. They called her this morning at XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAINE & WEINER COMPANY, 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:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a Barclayus credit card on XX/XX/2020 in order to purchase ( online, due to Covid ) an XXXX  XXXX, XXXX  XXXX  and XXXX XXXX  for work. Total dollar amount of the order was {$1000.00}. The order was placed on XX/XX/2020 and shipped on various dates/locations due to stocking locations and other limitations ( covid related, surely ). XXXX has a deal in place to receive interest free financing on items purchased, contingent on the dollar amount purchased. The financing on the Barclay terms were for 18 month interest free financing for amounts over {$990.00}. Now, Barclay is indicating I have a part of my purchases whereby the interest free portion is expiring in XXXX ( 6 months from the date of a few of the items ). I spoke to XXXX, the manager at Barclayus.com today and he indicated that because the items were shipped on different days, the terms for each shipment impacted the financing. However, the attached contract terms ( printed on the day I applied for the card ) indicated otherwise : that all orders " made within the first 30 days '' are eligible for the terms. Barclay is saying this is the fault of XXXX : it is clearly not as the Barclay terms outline clearly what should happen. This appears to be a case of bait and switch.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.

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 2018-07-30
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and XXXX XXXX XXXX no response XX/XX/2018.Instead my file was transferred to another agency Allied Interstate on theXX/XX/2018. 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from XXXX XXXX XXXX that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and XXXX XXXX XXXX refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. XXXX XXXX XXXX violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did Allied Interstate review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.

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 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The hold was placed on my checking acct on X/XX/17. My fiance had his corporation who handles military unused medical and part of his bonus. He made 2 deposits of {$6700.00} and 1 deposit of {$7700.00}.
My paycheck was deposited on Friday which was {$190.00}. And this past Friday it was {$310.00}. There is going to, be 2 more direct deposits ... .my paycheck on Friday and sad on the 3rd.
Its .my understanding that the investigator have 9. Days to complete their investigation. As soon as my fiance comes here, he will be added to the account. Bank of America placed a - {$880000.00} on both checking and savings. But have credited the 2 direct deposits and the 3 transfer but the female investigator who is doing this investigation will not get on the phone The 2 corporations that did the transfers have tried calling BOA to confirm they did indeed do the deposits.
I need to feed my child, get my medications., pay my bills and start my life in Arizona . I can be reached at XXXX or XXXXXXXXXXXX Thank you, 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 monetary relief
Consumer complaint received 2018-03-09
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
I disputed in XX/XX/XXXX and requested debt validation with Transworld Systems Inc they are reporting on all 3 credit bureaus as an open collection from XXXX, XXXX is not on my credit report. After I disputed and requested debt validation they sent me a letter dated XX/XX/XXXX with a bill from XXXX which means this debt is XXXX XXXX XXXX and it's reporting on my credit report as open in XXXX making it appear as an newer debt than older debt. Also they sent me which appears to be a final bill as debt validation, that is not proper debt validation. I need proof this debt is mine and this debt is also from XXXX which means it's 7 years old. They are reporting inaccurate information and I'm not sure this debt is mine being that is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received two AmEx prepaid cards as a gift recently. Card number XXXX with a balance of {$150.00} and card number XXXX with a balance of {$200.00}. I attempted to use these cards to pay a bill in amounts equal to the value stored on the two cards and the transaction was declined because the merchant first authorized the card for {$0.00} each leaving the available balance short by XXXX XXXX each. 

I called customer service and asked if they could temporarily add a XXXX to each card so that my transaction would go through and they said that was not possible. They then asked me to reduce my transaction amount by XXXX cent - which would have worked but that would have let AmEx keep XXXX cent on each card - multiply that by millions of cards sold and that's a tidy little profit that AmEx is fraudulently pocketing at the expense of gift card holders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase closed my bank account without notice and is holding my money and robbing that money and will not give it back and my direct deposits is still set up to the closed account please help me get the account back open and they cut the banking relationship with me which wasnt my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

Experian, XXXX  and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.

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 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Capital One closed my credit card account that goes back to at least 2011. I have another credit card with them that I use on a current, regular basis for which I receive emails and text notifications. 

On XX/XX/XXXX, I called Capital one as I just learned that one of my credit card accounts was closed without my knowledge and I was not notified of this. When I called and spoke to Capital One they claimed they weren't able to find anywhere in my account that they had send any kind of notification to inform me of the plan to close my account and when I asked if it could be reversed and the account re-opened they said " no '' and that Capital One had made a business decision to close inactive accounts and would not be reopening them. 

Additionally, they admitted they had the correct, current information ( address, email, phone number ) for my other card and I confirmed I received notifications regarding it but that they did not have correct, current information for my other account that is now closed. It seems to me that when I created the new account or any other time I have contacted Capital One that they might have noticed that the address or email on one account doesn't match the other and I would have gladly given them my correct, updated info. Also, when I look at my online profile which has both accounts information available and I look at my address, phone # and email they all show the correct, updated info so I would never know that they had different information on their end for one account and not the other. However, they claim when you call about one account they can't see the information associated with the other account. I don't think it's fair for my credit to be negatively impacted by their poor business decisions or because they failed to contact me or to maintain the correct contact info for me before they closed one of my oldest credit accts. 

What's also strange is they did send me an email the day the account was closed saying that a change was made to my credit ( as part of their XXXX XXXX XXXX   ) but that it didn't affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America offered a {$300.00} bonus if requirements were met. They have refused to issue the {$300.00} bonus and i have spent hours on the phone with them.I have met the requirements and have gotten nowhere. Terrible company ... AVOID AVOID Account was opened XXXX 2020 ... I have direct deposited the {$4000.00} as the promotion stated and maintained it. I have my bank statements for proof if needed.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.

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