BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had checking and savings accounts with Bank of America for years. In XX/XX/2018, I closed out my last remaining accounts. Every month since XX/XX/2018, Bank of America has been withdrawing {$500.00} from my XXXX XXXX XXXX checking account around the XXXX or XXXX day of the month, and returning it to my XXXX XXXX XXXX account anywhere from 3-5 days later. 

I have spoken with Bank of America representatives on multiple occasions, and so has my wife in order to try to get the issue resolved. Bank of America representatives always act like they are investigating it, but nothing ever happens as a result, even when we call to follow up days later. 

The first time I discussed the situation with Bank of America, they told me that there was nothing they could do, and that I should have XXXX XXXX XXXX put a stop-payment on my checking account for the recurring transaction. I've spoken with representatives at XXXX XXXX XXXX, and they told me that they could put a stop-payment on, but that there is a fee associated with it, and that I would be better off resolving with Bank of America. 

Each month I have multiple credit card payments due on the XXXX and the XXXX day, and each month I come dangerously close to over-drafting on my account and risk multiple non-sufficient funds fees as a result of Bank of America withdrawing money monthly. I honestly have no idea what they are doing with the money, but I have told them that the transaction is not authorized. It's unacceptable that an institution of that size is unable to assist in the matter.

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 2018-06-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase credit card has charged me a fee as well as additional interest over the base interest without informing me of getting my consent. this purchase was not a cash advance but they changed the definition without informing me and refuse to repeal the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ML Credit Holdings, LLC
State: CT
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:
This company has inquired information on my credit report that has resulted in hard inquiries being reported to the credit bureau. Resulting in a decrease in my credit score. They have no written permission to do so. They have done the same for my husband and don't have his information at all. I'm not sure how they are able to run his credit or mine without written authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Vonda J. Dunn, P.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
on XX/XX/2018, Vonda J. Dunn Attorney used illegal debt practices to get money for Home Owner Association Fees. She was told by lawyers she could not collect XXXX and instead took the money prior to the bankruptcy and moved it over to post bankruptcy allowing the courts to take my money from my daughters account. Her social security number is not associated with any of my accounts. Vonda Dunn repeatedly refused communication and I had already paid over XXXX on this account. She has repeatedly used illegal debt practices to collect on this HOA account. I want restitution on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
After XXXX was Hacked and all consumer information was stolen, I placed a Freeze on my Credit Report to protect my confidential information. I am trying to apply for a new Credit Card which requirers XXXX XXXX to review my credit reports. XXXX has lifted the Freeze - XXXX and TransUnion are being difficult to deal with ... requesting enormous amounts of confidential information and requesting a fee to lift the Freeze. 

They are all being arrogant, unhelpful, and looking to make more money from a problem they created by allowing consumer information to be hacked.

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 2018-09-24
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming. 

The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX   and XXXX XXXX. 


Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist. 
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!! 

This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company filed a garnishment on XX/XX/2020 After my complaint was closed by Harpeth Financial & XXXX XXXX XXXX closed the case on XX/XX/2020 with the Consumer Financial Protection Bureau. I made an over payment for XXXX On XX/XX/2020 for court fees.I am owed a refund of XXXX. I am not sure why this company has decided to come back when debt was paid off on XX/XX/2020. I verified with a representative from Advance Financial ( Harpeth Financial on XX/XX/2020 court cost was only XXXX in their system.. The extra XXXX paid to the courts covered the XXXX which left a refund balance of XXXX. XXXX XXXX XXXX ( Harpeth Financial are violating The Fair Debt Collection Act.. in short A debt collector cant legally say I owe more.. I have a complaint number in the system about collecting excessive fees with this company. It has been 7 months since this account was closed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX company is attempting to collect on a debt that is past the statute of limitations in my state of Louisiana and they refuse to validate the debt, refuse to stop calling at inappropriate times and refuse to remove this damaging remark from my credit reports. I've written several letters asking for their license to collect in Louisiana and they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
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 2019-06-11
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX a collections representative from a Commenity Bank (? ) contacted 2 of my distant relatives threatening them in regards to a debt that I know nothing about, as I and my spouse were both the victims of identity theft in XXXX and have supporting police records as documentation. All of this information has been submitted multiple times to each of the credit reporting agencies and we have disputed all of the incorrect accounts numerous times as well. The Commenity rep stated her name was Ms. XXXX and that they needed to make me call her back at XXXX-XXXX-XXXX Ext. XXXX within the next 24 hours or she would continue to call them until she was able to speak with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/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 2022-04-25
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:
The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

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 non-monetary relief
Consumer complaint received 2018-08-16
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX and its representative Attorneys have colluded or is colluding in their attempt to collect a debt not owed. This assertion of collusion is limited to, insofar as the unquestionable evidence suggest, to making false statements to the CFPB and to me regarding the true state of affairs of the complaints made. This NOT a duplicate of any prior complaints but merely an additional complaint to CFPB who is charged with protecting consumers from unscrupulous financial companies who sought to abuse their power. In this case by using dishonest tactics, false representations and documentary fraud. 


It is to be noted that the uploaded document, whilst making reference to issue raised in prior complaints, highlights the dishonesty and unscrupulous tactics that FMS and its representatives are engaged in as they try to collect money NOT owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Bread Financial 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: Account status incorrect

Complaint:
I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AL
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:
PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, EQUIFAX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : 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 2018-11-12
Company: 2288984 Ontario Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company emailed me out of the blue saying I took at a loan which I have never done with a payday loan. My mother just passed away and they are harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Bread Financial 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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.

Company response to consumer: Closed with explanation