BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My ein for my business XXXX XXXX XXXX is XXXX. The account was closed in XXXX.i am waiting for my check of XXXX. Bank of america gave me the tracking Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Filed against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Complaint Description : Account closure check not received. The account was closed in XXXX. I was given a tracking of ups XXXX. XXXX says its lost. I need the check to be reissued and given the tracking number. I have waited a very long time and do not want to wait any further. It is an emergency. 
I need the check to be reissued and given the tracking number as soon possible. I have waited a very long time and do not want to wait any further. It is an emergency. It's not my fault that ups has lost the check.

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 2018-09-29
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2018 XXXX XXXX XXXX of XXXX MA ( XXXX ) sent a collection notice to a client 's spouse at her address. 

I have no relationship to that address other than I process VA payments on behalf of my client, an XXXX year old suffering from XXXX and living at the VA facility in XXXX XXXX XXXX. The bills for his care go to his spouse at that address. She is his Conservator of the Person ; I am his XXXX of the Estate. 

After a call today ( XX/XX/XXXX ), it was clear that several bills reportedly to me ( sent to another wrong address ) were returned to XXXX. I asked about the address and they had both spelled my name incorrectly and had my home address city listed incorrectly. XXXX has been unable to provide an original invoice so I have no idea as to whether the bill is valid. 

They suggested contacting the medical laboratory directly to ask for an invoice. I will do so but feel it is an unnecessary step and XXXX should offer to have the bill forwarded. 

While I am not usually one to send complaints, in the past with medical bills I know the practice of sketchy collection agencies is to ding the credit reports immediately, even if paid in full. The practice of trolling for addresses is suspect and I believe violates my client 's and my privacy. 

XXXX should have their license reviewed and their practices monitored. It is quite embarrassing to me to have a bill go to an elderly spouse of an elderly client. Quite bizarre. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX  goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit reporting agencys TRANSUNION RE ; XXXX XXXX XXXX of XXXX And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by XXXX XXXX XXXX of XXXX acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX XXXX and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against Transunion as well as XXXX XXXX  XXXX in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In Transunions willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to Transunion goes above and beyond to prove a debt was never owed therefore in Transunion forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.

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 2018-05-16
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:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

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 2020-07-08
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:
Hello, I have fixed a problem with a XXXX acct reporting as mine several times now. It was removed from my credit twice due to dispute and now appears on my credit for a 3rd time. I have disputed previously through both XXXX and the credit burau. Now XXXX has gone backnon my credit fir the same account under a collection agency named XXXX XXXX XXXX. 
On XX/XX/20 i called XXXX XXXX XXXX and explained what was going on. she told me I had to dispute through the credit bureau again. Please stop this cycle and correct my credit file.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TransUnion : XXXX XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2018-09-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. 

My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday   XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday  XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Opened my Credit Card with Bank of America in XX/XX/2019. I had the hardest time of my life even opening my account, took 2 months to get the card. Once I received the card I had even more issues. Had to go to branch with Drivers Lic and Social Security card to verify my ID and was able to use my account again. Then less than a month later found out my card was closed for no reason. After speaking to someone I was told there was nothing that I did wrong and that I was going to get a letter in the mail with a address to send tax returns for whatever reason I wasn't told, I've waited and still no luck never received no letter. My account was closed for no reason I had close to XXXX in rewards which I could not access, I'm a good customer I had a balance at the time my account was closed of XXXX and I paid the balance in full and on time. This is not how you do a good customer for no reason, it seems as the person who closed my account was a angry bitter, not having anything to do person because. My account was vaild, I have Great credit and there was no reason to close my account. I did all the extra verify stuff they had asked of me. I would like my account reopened as I was promised because there was no way to justify why it was close and for no cause this is not how you do go customer I want this sent up to CEO office if possible because this is not right and not how you do customers.

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 2023-07-08
Company: EQUIFAX, 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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Purchased a watch from XXXX XXXX XXXX/ using Affirm. Website stated they were an authorized dealer, but it turns out they are a XXXX  market provider for this particular brand. Returned watch to dealer and dealer notified Affirm to process refund. Affirm has not refunded over $ XXXX USD after paying off installment in full and is not providing an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls

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 2020-07-29
Company: RoundPoint Mortgage Servicing LLC
State: AZ
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 a loan with CXXXX XXXX XXXX XXXX,  ROUNDPOINT MTG, and XXXX/XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I obtained my card from Capital One on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), Capital One has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with Capital One several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cash Call has listed a charged off account on my Credit Reports. They were sued by the CFPB and State of California for violation of lending practices and state limits. The debt in my state, CA is invalid.

They claim they did not attempt to collect on the debt, yet they have not removed it from my reports, nor have they ceased collection attempts. The " debt '' is also 7 years old and would need to be removed even if it were a legal loan. 

They also stated that they were to charge {$95000.00} for interest on this " debt '' They have threatened suits and continue to claim the debt is legal went it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
I called to receive a validation letter that this debt belonged to me and they refused to send it. They said they would send me supporting documents but they would not send me a validation letter. This company is Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, experian, and XXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX data breach as well. THIS IS RIDICULOUS!!!

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