BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-02-25
Company: Access Receivables of NC Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was given 30-day notice on XX/XX/XXXX of cancellation of fiber services. XXXX  has continued to invoice ( refer to case # XXXX from XX/XX/XXXX ) and still sent account to Access Receivables for collections for charges for services after cancellation. Access Receivables was sent notice to Cease & Desist via certfied mail XXXX XXXX XXXX XXXX XXXX ( delivered XX/XX/XXXX ) and via email to customerservice@access-receivables.com on XX/XX/XXXX. Access Receivable called us again today XX/XX/XXXX to attempt collection. They had been notified any further communication would result in complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had money in my account to cover all pending fees, bank assesed their monthly fees to my account and pushed my account into Negative and thens tarted charging me NSF fee and daily over draft fees and started finalizing pending transactions and continue to add new {$35.00} NSF fees for ever pending transaction that was there and prior to them assessing their fees. now they are charging me {$35.00} + {$5.00} daily over draft fee for every pending fee that should have been paid first instead of them taking their monthly fees first and then pushing every thing in the red.

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 2020-04-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I accepted a service from XXXX XXXX a few years ago and upon receiving the service I was unable to access the service, I called repeated complaining about the lack of service and I kept getting a run around from the company so I decided to tell them to disconnect the service. 
After which their customer service rep constantly called me to pay for a service that I didn't get the use of, I refused to pay the {$260.00} so on XX/XX/2017 they sent my account to collection company EASTERN ACCOUNT SYSTEM, I have tried to dispute this many times but they keep reporting to the credit Bureau, this obviously affects my credit, I have been unemployed for almost 2 yrs and this bad report doesnt help my situation. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-06-25
Company: Riverwalk Financial Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. I would like this company removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
Account : XXXX XXXX XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

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 2022-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Avant Holding Company, Inc.
State: OH
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 used their website to pay my bill. It automatically inserted the minimum payment but I needed to pay a few dollars more to bring it back under my limit. I entered the new amount and finished the transaction. When I checked my email a couple hours later there were XXXX transactions, the one I authorized for {$30.00} and the minimum payment of {$25.00} which I did not. I processed the payment at XXXX. When I called at XXXX I was constantly put on hold by the representative who was actually laughing at me. I was never transferred to a supervisor. I was told that because it was after XXXX central time it couldn't be stopped. I am in eastern time. My whole issue is that I didn't authorize XXXX payments. I was told once the XXXX payment posted and bounced on my checking account to call back. I did not authorize XXXX payments. It is unreasonable that they wouldn't correct their program mistake. Most credit cards have a way to stop a pending payment before the end of business that day. Laughing at me makes me wonder how many scam payments they collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Accounts on my Report that i do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had several issues with Td Bank. One problem is because I had my account overdrawn right around the time we were all supposed to get the {$1400.00} stimulus they decided to credit my account when I didnt authorize them to credit anything on my account and now it has screwed my account up because now they said theyre going to pull this money back out of my account within 30 days they didnt talk to me first about it at all. Another issue is I had specifically told a motel hotel that they are not authorized to use my card any longer I even told Td Bank this prior to them using the card because I wasnt staying there any longer they credited me the money then they turn around and found that there was no fraud when there was because its basically like stealing my money when I told the motel manager that I didnt have the funds there so please dont run the card well because I had overdraft the bank allowed it to go through twice then I called the bank and they were supposed to cancel my card but the young lady did and they allowed a third charge to go through they refuse to reverse that either. Now because of all these issues they have screwed my account up so bad that my account is over {$500.00} overdrawn and I dont know what to do at this point. I also think I was just probably been able to get something out of that recent settlement About the overdraft accounts because I had that too. TD Bank has fraudulently I feel done things with my account that they should not have done that has caused me problems because I dont look at my account on a daily basis and for them to credit my account then pull money back out it makes it where I have no way to keep track of stuff and I feel have violated quite a few laws with everything theyve done on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
When I originally purchased my home the bank representative advised because of ltv issue would have to pay pmi and taking this balloon would get me around having to do that almost 12 yrs later my balance is close to what I took it for and in XX/XX/XXXX I will have a balloon payment or refinance. I tried to get help from the company who made this loan back in XX/XX/XXXX but to no avail they had sent me information to lower rate and convert it they said I didnt qualify due to the fact I had enough income to handle? If that was the case the cost of pmi at the time probably would of been the same amount that the 2nd mtg I've been paying for the last 12 yrs would of likely been done and over and no responsibility to this nutty makes no sense 2nd mtg. What are my options out side of refi to pay off which is not the point I should have never been taken advantage of for this product that really could of been avoided due to the greedy sales person who got a bonus by making another loan?????!!!!

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 2018-08-23
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:
Credit Check are reporting Potentially Negative Alerts from Experian credit bureau, where I did check my credit report direct with Experian and does not appear this Negative information with Experian, but this is impacting my credit score with Credit Check. 

1 ) Company XXXX XXXX XXXX Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX XXXX XXXX, IN XXXX 2 ) Company XXXX   XXXX XXXX Payment Status Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX, PA XXXX 3 ) Company XXXX XXXX XXXX Payment Status Collections Status DateXX/XX/XXXX Balance {$29.00} Address XXXX XXXX XXXX XXXX XXXX, FL 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 2021-06-14
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
State: MA
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 received notice from Discover Financial Services that I was being denied for a variable rate undergraduate loan Application ID XXXX on XX/XX/2021. 

I immediately contacted Discover who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with discover again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX & XX/XX/XXXX I received an email from the CEO 's ( XXXX XXXX and XXXX XXXX ) stating that Synchrony wanted to help XXXX XXXX victims. The email said they were not going to charge late fees, give credit limits and other services. I called on the XX/XX/XXXX to find out what services they were providing. The Customer Rep said they were only giving a one month extension. My next payment was due XX/XX/XXXX. I was approve for the extension. Today I receive a credit alert saying my scores dropped because my Sam 's XXXX was decreased by XXXX dollars. My limit was XXXX. I called Synchrony and the Customer Rep said I was decreased for lack of payment. I spoke to three Managers who said it was n't anything they can do but take off the late charges and give me another month extension. They  could not restore my credit amount. My utilization is at 97 %. Other credit cards which I have never had a missed payment or late charges may do the same because they will see me as an high risk.

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 2022-04-28
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I transferred XXXX $ to my crypto account on XX/XX/2021 and another XXXX $ on XX/XX/2021. I did several cryptocurrencies buy/sell transactions in subsequent months. On XX/XX/2021, I had total XXXX XXXX XXXX coins in my account. When I looked at the home screen on Crypto.com it was showing current value XXXX $ and checked XXXX XXXX current market price XXXX XXXX 

Then I tried to sell some coins so went into trade -> selected XXXX XXXX and selected XXXX ( coins ) for sale and went on confirm screen and it was showing sale price XXXX $ and total value XXXX . 

I was trying to do this transaction at XXXX AM EST XX/XX/2021. 

For next 2 weeks, I tried same thing for about 7-8 times and noticed that when I try to see coins it is showing higher price when I initiate the sale and it suddenly changes at the final confirmation page. It is almost 20 % less it is bug amount. This seems like a software trick to make money and scam people. 

I raised this issue multiple times with Crypto.com but have not received satisfactory response. They have not been able to explain the reason when customer lose 20 % of its asset value when he does sell transaction. 

I request bureau to investigate Crypto.com business practices and help me get my money back. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation