BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi With due respect my name is  XXXX   XXXX  running a small business of   XXXX   XXXX   XXXX   in   XXXX   XXXX   ca. I would like to file a case against dispute claim I had delivered  XXXX  cars of worth {$19000.00} on this date  XX/XX/  2016 to  the customers after bank approval from their debit card but now after around six and half months without informing my  BOFA MERCH SV CS deducted money from my business account bank of america on inquiring they told me there was a dispute claim so we gave money to them I cleared and showed and send them the original contract copies of cars sold out but the bank is not responding they are saying we ca n't help you and file a case against customer or sue them or have a lawyer.     Kindly I request you to help me as I do n't know the other way around I started this very small business and all I have was that which is gone and I am in serious need of help attached with all the necessary documents sales contract etc.     I am looking forward for some immediate help and response.

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 2022-04-10
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection reported on my credit report for a work comp claim that was paid the agreed amount for claim between the insurance carriers and the medical services provided. I disputed and the credit bureaus are not removing. This is not my debt. I want this removed from all credit reports immediately. Documentation was provided by all parties on the claim and payments. This is an example of how people are harmed by fraudulent reports against them. If I actually owed this it would be different. This has caused a severe adverse drop to my credit score, causing me more time and money to try to have something removed that was never my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

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

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2017-03-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

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

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

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 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I mailed out a Dispute letter to Experian the consumer reporting agency stating that there is inaccurate information reporting on my Consumer report starting with my personal information : I informed them that they were reporting my name WRONG as well as the WRONG addresses I also asked them to remove all addresses that are not mine and that I am not associated with that doesn't match with my identification that I also mailed to them with the Dispute letter. 
I have documented proof of the certified mail that I sent to Experian the credit reporting agency on XX/XX/2022 As of today XX/XX/2022 I have obtained an updated version of My Credit report and I noticed that they never made the necessary changes that I asked them to correct on XX/XX/2022 ARE STILL THERE'S NO CHANGE I also mailed the same letter to the other reporting agencies as well on the same day which was on XX/XX/2022 and The other reporting agencies corrected the personal information and address errors without issue and I have proof of that as well. 
It is only with Experian that I keep having continued issues with inaccurate/incorrect and WRONG information reporting on my credit report which has been affecting my credit and because of these errors/inaccuracies and WRONG information I have been denied numerous things because they're reporting the WRONG information on my report. 
BY LAW ALL XXXX CREDIT REPORTING AGENCIES ARE SUPPOSE TO REPORT ACCURATE AND CORRECT INFORMATION IF NOT THAT IS A VIOLATION!!!

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 2019-11-29
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We started our mortgage with Loan Depot in XX/XX/XXXX. There has been an outstanding property tax balance of {$520.00} ( plus interest now ) since XX/XX/XXXX. We have paid our mortgage on time every month and called Loan Depot almost weekly to see why they haven't processed the payment. It is now up for tax sale since they have no paid the balance ( they fully acknowledge they owe the payment and every week we are promised by 1-2 supervisors that the balance will be paid that now ). They are 4 months late and they keep promising the payment will go out today. We have received multiple tax sale notifications and they still have not paid the taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Company falsely reset debt time clock. Company claims my recent account activity was XX/XX/2022 and that is false. I have never interacted or communicated with this company in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens bank rearranged posted transactions in order to maximize the number of overdrafts they could charge me. On XX/XX/XXXX before XXXX my account showed 3 preauthorized payments of a phone bill, gas bill and credit card bill coming out of the available balance. The account at this point was still in the positive. After XXXX a mortgage payment that was not supposed to be auto paid until XX/XX/XXXX was taken out causing the account to over draft. the next day on the XXXX Citizens bank rearranged the order in which these transactions posted the day before so instead of getting 1 overdraft fee they received 3. XXXX  XXXX XXXX and XXXX XXXX just were in a class action suit over this. This should not be allowed for the bank to rearrange postings in order to maximize their profit margin.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for my macys XXXX XXXX and was approved they never sent it it was a long process they said XXXX allowed to have XXXX a store version and XXXX when I Initially wanted the XXXX I didnt qualify but now that I do they never mailed It and recently found out that it was approved by letter but then they closed it this isnt fair after putting me through such a a hassle

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 2020-03-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, I opened a Checking account online with TD Bank and setup my username/password and full credentials to access the account. 

To fund my account, I linked my XXXX Checking account to the TD Bank Account on XX/XX/2020 and successfully sent an ACH Transfer to my TD Bank Account in the amount of {$2500.00}. 

On XX/XX/2020, I was no longer able to access my account online and have been instructed to visit a branch location to resolve my issue. 

I attempted to reverse the ACH from my XXXX   Checking Account to TD Bank for the amount of {$2300.00} on XX/XX/XXXX and the transfer was successful. Since then, TD Bank issued a debit to my account to my account and has withdrawn the money without my consent. 

I am currently in XXXX XXXX, CA and not able to visit any branch location to resolve this issue due to strict travel restrictions in California. I will not be able to return to Maryland until XX/XX/2020. 

I would like all my funds ( {$2500.00} ) returned to my XXXX checking and to close this checking account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: PINNACLE RECOVERY, INC.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

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

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CITIBANK, N.A.
State: DC
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:
I have previously submitted a complaint about Citibank Credit Card. This complaint is new but its link to the previous issue was well. Citibank is continuing to resubmit a payment to my bank account and causing me to pay overdraft fees because the funds are not there. I paid this bill and they refuse to submit in the payment date which is causing me to pay overdraft fees. I spoke with someone about this account and she was only interested in whether I wanted to reopen the account or not. I opt not to reopen because if they treat me like this who has been a loyal customer for over two years then I wonder how they would treat someone else. I just want them to stop resubmitting that payment to my bank ASAP. I am going to pay them as my history reflects. Please help me deal with them.

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 2016-07-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED TRANS UNION ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST TRANS UNION, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS 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 2022-09-02
Company: Block, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2022 I contacted support for CashApp. My phone was stolen so I had to change my number and go through the process of getting all of my personal information transferred to my current number. CashApp proceeded to ask me a lot of personal questions which I answered in order to close my old account since it was connected to my old number and transfer my funds into my new account which I had to create since I didnt have access to that number anymore. They proceeded to give me the run around for almost 5 months and my account is still open and I still have yet to receive my funds or even be granted access. I have constantly asked for a supervisor or the fraud department and they never ever respond with a supervisor despite telling me they would. Every single time Ive tried to access my funds they dont even give me an explanation. I have contacted them at least 15 times over the past 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls ( by very polite operators ) regarding some type of traffic violation in  XXXX   (?  ) IL by someone driving a  XXXX . I do not ( have not, will not ) own a  XXXX , have no idea where  XXXX   (?  ) IL is, and probably have never been there. My attempts to get these calls to stop have been unsuccessful because all they want is $ $ $ $ $ $ $ $ with no documentation of the debt, and no research of who they are calling. Annoying, and offensive to be called at my work phone number about something that has nothing to do with me at all. The pleasant phone staff does not make up for the constant harassing 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 2020-07-23
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LATE FEE 'S Hi, I been having trouble with XXXX XXXX XXXX trying to make me pay late fee 's, almost {$700.00} of fee 's. My loan got transfer from XXXX to SN Servicing Corp in XXXX. XXXX sent out a letter to me in regards to this transfer and included the address of SN Servicing Corp to mail my payments. 
SN Servicing Corp never mail me any type of information at all until XXXX of XXXX stating I was one month behind my mortgage payment. Got records from my bank and showed prove of payment they accused of not paying. They cleared the error. 

Them out of nowhere they say I own almost {$700.00} of late fee 's due to my grace period being the XXXX of every month. They have no records or prove or a signature from me that I agreed to these changes. Before SN Servicing Corp took over, XXXX grace period was the XXXX of every month. Now I found out that when they sell or do a transfer the company taking over the payments are not allow to change any terms or conditions from the mortgage instruments. 

I been taking to XXXX since XXXX of XXXX. I have fax/emailed her information with prove in black and white statements from XXXX stating in fine print payment received after the XXXX will cause a late fee. Not even with that information she is not working with me. 
XXXX has all information I emailed and fax to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: R.M. Galicia, 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 information incorrect

Complaint:
I have written to XXXX, PROG MGT SYS, and XXXX XXXXXXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation