BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: GOLDEN 1 CREDIT UNION, THE
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: Account information incorrect

Complaint:
Golden One Credit Union is illegally reporting information on my credit report and is not in compliance with the Fair Credit Reporting Act. They are reporting 3 different accounts of my credit on 3 different credit reporting agencies which is illegal under the fore-mentioned Act. In light of this I request that the account be removed from my credit report immediately. Also I have also made numerous attempts to have this debt validated from them and their collection agency The XXXX XXXX XXXX XXXX, to no avail. This also is clearly not in accordance with the Fair Credit Reporting Act, and grounds for this account to be removed from my credit reports. I would like all collections efforts ceased and this removed from all credit reports 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 explanation
Consumer complaint received 2018-03-05
Company: Residential Mortgage Services Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is 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 explanation
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Respected Sir / Madam, Here is the info I would like to share about this incident : XXXX XXXX and XXXX XXXX XXXX reached out to me inquiring about a apartment regards to add which I posted in XXXX Website for Room Sharing and they said that they want to send some deposit in my account to reserve a room and asked my account number.Once they got my account Details ( Bank of America ) they did a scam to calling my Bank and opened 2 Debit check fraud Claims on my behalf and at same time transferred XXXX $ of 3 which is total of XXXX $ did wire transfer through XXXX Transfers from My Bank ( BOFA ) To Recipient 's Bank on name XXXX ( XXXX XXXX ). After this fraud transactions completed, the recipients completely blocked my phones and emails. 

Once I seen this deductions of XXXX $ and fraud claims happens on my account Immediately I contacted my bank ( Bank of America ) they opened the case ( XXXX ) and after 2 months my bank responded saying that your case got declined because the Recipient Bank ( XXXX XXXX ) said unable to release / reverse back of XXXX $ back to your account. so my bank said finally this is completely comes under fraud crime so I have to file complaint with ic3.gov. 

Here are the Recipient Contact Details : XXXX XXXX ( phone : XXXX, email : XXXX ) and XXXX XXXX ( phone :XXXX, XXXX & email : XXXX, another email : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX is the previous complaint. The claim closed, but the issues still remain. 

The pay in 4 card still reflects negatively on my PayPal account, and automatic payment attempts were made from my checking account at XXXX XXXX XXXX XXXX XXXX. This resulted in additional overdraft fees. 

My Paypal account shows past due for this master card. The past due status does not allow me to use any of the credit, payment plan or pay in 4 options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
THE CREDIT BEAURAS DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

!. ) XXXX XXXX  XXXX - FALSE LATE PAYMENTS ARE REPORTING : DATES : XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 REQUEST : PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXXXX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED XXXX. ) XXXX XXXX XX/XX/2022, XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE XXXX. ) XXXX XXXX THIS ACCONT IS PAID TO XXXX AND CLOSED. 
XX/XX/2022 ; XX/XX/2022 ; XXXX XXXX  ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX  THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

UNAUTHRORIZED INQURIES : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: VA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2018-03-05
Company: AMERICAN HONDA FINANCE CORP
State: DE
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 am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IN YOUR RESPONSE FROM CFPB:XXXX YOU STATED THAT THESE INQUIRIES DO NOT APPEAR ON MY CREDIT REPORT. HOWEVER, I HAVE ATTACHED A COPY OF MY CURRENT CREDIT REPORT WITH THE SAME INQUIRIES REPORTING ON MY CREDIT THAT I HAVE PREVIOUSLY DISPUTED. 

THESE INQUIRIES DO NOT BELONG TO ME XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Phoenix Financial located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions 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:
fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2023-03-17
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Square Inc. has been holding our money for over 247 days as of XX/XX/XXXX and refuses to transfer it to our bank from their POS portal. The balance of {$3400.00} that is due to us has been held on their POS platform and they have suspended our account and refuse to transfer the money out. We have contacted customer service via phone and email since XX/XX/XXXX till today and they refuse to help or tell us why this money is being held. They have emailed us back in the past saying " we will release your money after XXXX days '' but it has already been over 247 days as of today and we have not received a penny of the {$3400.00} balance that is ours. We have tried to follow up but their customer service is unresponsive. We provided invoices matching the transactions upon their request and they still refuse to transfer the money that we earned into our bank account. The first transaction from this balance dates back to XX/XX/XXXX with an amount of {$750.00} at XXXX. The second transaction of {$1300.00} on XX/XX/XXXX at XXXX. The third transaction of {$720.00} on XX/XX/XXXX at XXXX and the last transaction of {$720.00} on XX/XX/XXXX at XXXX. Square was quick to take their fees out of these transactions but will not release our balance into our linked bank account. 

Square is leaving us with no other option other than to file a report to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One fraudulently initiated ACH debits from my checking account 7 times. Capital One admitted its fault and refunding me for four ( 4/7 ) of those fraudulently debited ACH transactions on XX/XX/2017. 
Even though Capital One has admitted XXXX fault and refunded me partially, they refuse to refund me for the rest of those fraudulently debited ACH transactions in the amount of {$2600.00} ( 3 transactions out of 7 ). 
In addition, Capital One closed my account and stated that the account was closed per my request, which is completely wrong! I have not made such request to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Patient Accounting Service Center
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It appears I owed {$33.00} to XXXX XXXX, a durable medical equipment company. XXXX did not send me ANY billing statements but sent the {$33.00} to collections. I attempted to order replacement items for my health and was told I could not due to the balance. I paid it immediately- as I always do - but still have not been able to order my medical equipment. I later received a letter from ARstrat, a debt collection agency. 

The law requires a patient receive numerous billing notices before sending an account to bad debt collections. XXXX XXXX violated these laws and other statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by a ( XXXX ) XXXX number claiming to be credence resource management claiming I owed almost 2000 XXXX for an ambulance used XX/XX/XXXX, XXXX almost three years ago. I left all of my information for the hospital to charge my insurance but chose not too. I was never contacted about this, I never received any written information about this. I was never even told I could dispute this debt. I dont have the funds to pay that right now. Please help me! Theyre calling me everyday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive been patient with this company! The reps are great however the system is trash! I paid for a memebership twice to see if it will update my report and i still cant get my free report! I am in desperate need and the emAil contact was no help! I called back again only to get another ticket number! This bs is hindering me! I need my report from these frauds and my refund so they dont give me what i paid for because reps only can give out credit for 1time! She said call my bank. My bank did not offer service and take my money! Just awful! Just fraud XXXX company! Automatic XXXX responses no real help!

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 2021-07-08
Company: EQUIFAX, 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:
Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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:
This XX/XX/2023 I received an alert from EXperian regarding my disputes updates on all of my accounts that are associated with my discharged bankruptcy ( attached ). The report is still inaccurate because balances are still showing on report, status not corrected, past due/Negative/delinquency/deragotory, should not be reporting negative months if debt was discharged in bankruptcy court, all mentioned is showing inaccuracies on the credit reports of these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX, Acct XXXX, Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX & XXXX Any other Acct Ive missed that should be included. remove/ or update The XXXX credit bureaus have also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.

Please remove or update all accounts to show all below : 1. Account balances should be {$0.00} or blank.

2. Status of Account should be " Included in Bankruptcy '' OR " Discharged in Bankruptcy. '' 3. Any " Past Due Balance '' must show as {$0.00} or blank.

4. Any " Charge-Off Balance '' must show as {$0.00} or blank.

5. There can not be any monthly delinquency reported AFTER your Bankruptcy Case was filed.

You are causing my credit score points to go down because your staff arent updating theyre causing scores weekly to drop that went up. Now my score is poor not fair This is a violation of my rights.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 
This is a demand of removal!!

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