BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom this may concern : As defined within the following message my name is XXXX XXXX XXXX XXXX and I am trying to file a complaint about the response that was sent to me by the XXXX personnel ... a correspondence was sent to the U.S. treasury department for there evaluation of the enclosed! 

There is one other issue concerning transactions which have taken place during my account business with the Bank of America ; on or about XX/XX/2015 when I opened my BOA account ( s ) I owned a Savings Account with Bank of America... but for some strange reason my Bank of America Savings Account was abruptly closed by the BOA branch located at, XXXX XXXX XXXX XXXX in the city of XXXX, state of Florida XXXX their telephone numbers are XXXX ( XXXX ) XXXX. 

What I am asking with this complaint is to be refunded for the more than {$800.00} that was in my BOA Savings Account which that BOA branch decided to close without my approval resulting in taking those funds from me... I requested a refund with an associate working in the branch via the address above, her name is XXXX XXXX XXXX XXXX she responded to my requests with her business card, and asked me to contact Customer Service at XXXX XXXX and try and resolve these fraudulent problems with my account. 

Please help, Sincerely, XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Florida 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 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2021-02-17
Company: U.S. BANCORP
State: OH
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:
On XX/XX/2020, US BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attention dispute department Todays XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Im trying desperately to fix my credit score. Im a homeless veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and trans union, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.

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 2023-07-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I sent a certified validation letter to Collection Bureau XXXX XXXX on XX/XX/2023. After 30 day no response! I sent a second certified validation letter on XX/XX/2023 it was return back to me. ( return to sender ). It been 50 days. NO RESPOND Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCT : # XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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:
l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), ( inquiry : XXXXXXXX XXXX XXXX ), ( inquiry : eXXXX XXXX XXXX XXXX ), ( Accont : Prestige Financial Auto ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/21, Paypal Credit who is DBA Synchrony Bank, denied me my credit when i asked for a credit limit increase. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1691k. I have proof that Paypal Credit/ Synchrony Bank denied me of my own credit. Which is actually listed which sums up to an invoice {$40000.00} for said violations. ( {$10000.00} per violation which there was a total of 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: NY
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 submitted a complaint to Experian and there response is that I am a credit repair company. I am a person not a 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I found a collection on XXXX that I don't recognize. They claimed I opened a XXXX XXXX in XXXX, XXXX which never happened. I want to get a letter of validation & a letter of certification. I would like this fraudulent account removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

NamXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.

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 2023-07-25
Company: ALLY FINANCIAL 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:
Someone used my information without my consent and leased a XXXX XXXX  that I never knew about or paid on but I reported it and the vehicle was repossessed but its still showing up on my credit report like I havent paid on the vehicle Ive talked and sent all information I know to the company ally financial but its still reporting and showing as a non payment situation on my report after after I and ally financial proved I never owned this car which was a whole state away

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 2018-12-30
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ed Financial is currently servicing my student loan. I've made timely payments for over 10 years and my balance is still increasing. I do not understand why every payment I've made for 10+ years has applied only to interest. I asked Ed Financial for an explanation via a qualified written request and they sent me a payment history. In no way does that explain the lack of posting any payment to principal. When I asked for a verbal explanation, the representative informed me it was completely based on my payment practices. Every payment on my loan has been made timely. I do not understand how paying from the 1-7th of each month can affect my principal allocation. I am never going to pay this loan off if Ed Financial continues to raise my principal balance. I've paid almost XXXX towards these loans in the last 10 years with no crediting to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I entered into a period of financial hardship in XX/XX/2023 and fell behind on my car payment. Santander Consumer Finance USA was made aware of my situation and after the account became 60 days past due, issued a letter to cure. I was about {$600.00} short from the amount due and the lender continued to communicate with me. I made payments : {$500.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and another {$160.00} on XX/XX/XXXX. The lender has not offered to lower payments, defer payments or any other form of financial hardship assistance. However, the lender does continue to ask pricing questions about when the account will be caught up despite their knowledge that I am going through a financial hardship despite the consistent reminders. Santander lacks economic sympathy for consumers like me and their inability to provide solutions create heightened stress, XXXX and unnecessary suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The complaints are against XXXXXXXX XXXX, Absolute recovery services, All three credit burueas. XXXX XXXX  in 2018 was paid in full XXXX from XXXX XXXX XXXX for a rental agreement between them and I. At the time I informed them I would soon be having a child so I need to get utilities situated either I add someone to the lease to assist if any problems on my end they denied me putting someone else on lease also they denied keeping them on causing me to bring a child home after being born to a cold house in the winter which cost him to be very XXXX  and me they had no compassion towards me being a XXXX XXXX in assisting me they then I guess sent it over to their collection agency in which whom I reached out to after several times reaching out to all credit burueas in which states they took in my request for dispute while requesting one buruea stated im being charged twice for same amount while other buruea state I'm only being chatted once also the debt agency said they would not help dispute cause I sign lease stating I was only to give them written consent and she could not find in which paragraph it stated I had to amd or I signed an agreement stating I knew of written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This issue has been going on for so long. My money was stolen from my account from payfare company. They emailed me stating that my temporary card was added to and token wallet. I dont even use any of that. The card they said they would send me never arrived. I need my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Bread Financial Holdings, 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX CB/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: SUNCOAST CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off Suncoast credit union for XXXX XXXX XXXXe Tried to start Refund for Gap Suncoast Insurance agent stated Gap Insurance expired 90 days after purchasing car I should have file in XXXX XXXX  had full coverage Insurance also Gap Insurance from Purchase to End Paid for 5 year Gap Insurance Vehicle Paid off Early

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call from DRB in XXXX i believe they called my work and i told them to please not call my place of work i gave them my email and cell number to reach me, Today i get a call again at my work from XXXX XXXX saying that she can call me at my work as many times as she wants and she doesn't need consent i let her know i am not allowed to get personal calls and can get fired and all she did was laugh and say that was not her problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ResidentCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is wrongfully charging college students for monies they do not owe. This company is holding back deposit monies and charging for something that is not owed. they allowed some stranger to stay in there apartment, for free and charged the other students the same amount as if the the XXXX person was not there. Students complained over and over again with no results. Then continue to charge the students and kept their deposit. they are seriously taking advantage of these college students. I signed the lease agreement with my daughter, they have now turned me into collections. We have tried to reach out to these people but they were rude and unresponsive. And I feel that they are in the wrong. should not be allowed to continue to able to take advantage of college students and their families. they never reached out to me to let me know. And than turned me into collections. She moved out in XXXX of 2019. And was told after the her payment arrangement was completed that her deposit would cover the remaining amount of money.

Company response to consumer: Closed with explanation