BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Source Receivables Management LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this company source receivables management unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My capital one credit card ending in XXXX went delinquent XX/XX/XXXX, I was told that the account would receive a hardship. In XXXX of XXXX I found out that the hardship was not in place and paid the account off XXXX XXXX. Capital is reporting delinquent 90 days XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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:
I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.

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 2023-08-30
Company: DISCOVER BANK
State: NC
Product: Credit reporting 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:
I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: DISCOVER BANK
State: KY
Product: Credit reporting 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 Discover account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Credit Control, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company Credit Control , LLC has reported that I owe a debt to XXXXXXXX XXXX for which they've obtained. I have no knowledge of such account therefore this account needs to be removed/prevented from being added to my credit report. Please provide documentation with my signature regarding the account and cease contacting me. 

I've also been a victim of fraud in the last years. see ftc report.

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 2023-08-31
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I've been disputing the collection since XXXX and it is still active onto my credit report. I've reached out to XXXX and the company and XXXX is working on other ways to dispute the fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Aidvantage is requesting repayment for a loan. Before I send any money to them I would like proof that such payment is owed. 

In accordance with Holder In Due Course Rule UCC 3-305 ( e ) ( ii ) ( HIDC ) the person obliged to pay the instrument has a defense, claim in recoupment or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. 

I am asserting my rights as the holder in due course of any rights, interest, dividends, proceeds, and profits made from the promissory note, application or commercial instrument involving the consumer credit transaction with Aidvantage. 

I am demanding answers to the following : 1. Was the promissory note sold to a special-purpose vehicle or trust?

2. Has the note/commercial instrument been securitized?

3. If the note has been sold, how much profit was made from the sale?

4. Is the applicant entitled to the profits made from the sale of the note?

5. Is the promissory note considered collateral security?

6. Did Aidvantage provide full disclosure as to the consumer credit transaction with the applicant?

7. Is Aidvantage in possession of the original promissory note and can provide proof of such on request? 
8. Did Aidvantage loan me any money?

9. Is Advantage authorized to loan money to applicants?

10. Can Aidvantage show documentation that money was debited from their bank account and given to me?

11. What species of payment is Aidvantage requesting for repayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had to move from XXXX to XXXX because of health reasons on XX/XX/23. I changed me address online. I received a message like in the past they had to verify it first. I racked up hundreds in fees because I never got their notifications. Thats wrong to take advantage of someone who cant drive because of health. Who did what they were supposed to do. {$8.00} a day is a rip off. I have worked in banking for 15 years. Every bank these days runs skeleton crews because theyre so cheap. I managed one. Every single person asks when employees go to them. How much money do they have with us. Its wrong. The things I could tell you guys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: U.S. BANCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I asked CFPB ( complaint # XXXX to investigate the reason and to require remedy to their making my account, which was a Union Bank account , accessible. 
You say that USBank has responded. 
You give no evidence of response. 
Since merging Union Bank into USBank I, and probably many expats, have no access to their accounts. 
CFPB has only copied my last two complaints rather than take any action. 
It is derelict by definition of it's charter and purpose. 
I need access to my bank account. I live in XXXX. I need something with authority to represent my circumstances and provide remedy!

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 2023-09-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I initiated a transfer of XXXX USD from my wife XXXX XXXX XXXX account to my Synchrony high yield savings account under my name. This flagged my account for fraud. My account has since been restricted. I have called Synchrony bank four times since then. During first phone conversation, I was told fraudulent activity usually takes 10 business days to resolve in a security investigation. After 10 business days, I called again and was told fraudulent activity has been elevated and will take up to 90 calendar days to resolve. It has now been 84 calendar days since the original transfer. After speaking on the phone with them they said it has been elevated with the security investigation department, but there is NO timeline on when my account will be unrestricted. I also have no received no documentation or any real verification outside of phone calls initiated by me that it is being investigated and has been elevated. I have asked for a direct line to their security department and was told that can not be done.

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 2023-09-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees was taken out multiple time and I was told that I would not be charged

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 2023-02-19
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold a huge bundle of WII products ( gaming console, controllers, accessories, games, etc ) on XXXX for {$300.00}. XXXX presented the shipping costs of around {$45.00} which I thought was fair, so I went ahead and authorized the transaction. Turns out I couldn't fit everything into one large box, so I had to ship a second box and pay out of pocket for that expense ( around another {$50.00} ). So my {$300.00} sell price is already netting out at {$200.00}. A few months later I received notification from XXXX stating that my account is suspended because I have an outstanding debt of {$90.00}. They provided no indication of what this dollar amount is for, nor did they provide me any way to contact them to find out. I then searched the web for contact information for XXXX. Turns out they have NO customer support, literally XXXX. So I didn't know what to do. A few months later I received a call from a creditor trying to collect the payment, I asked them what is was for and all they could say was " processing fees ''. Nowhere in XXXX 's literature did they state that I would owe them {$90.00} for a {$300.00} product sale. To the contrary, I their service fees are straight % off of the sale price, anywhere from 5 % - 13 % depending on the product being sold. 13 % of {$300.00} is {$39.00} which does not equal {$90.00}, plus I remember having them net that out of what they paid me originally. If XXXX did make it clear that they would be taking another {$90.00} from my proceeds, I of course never would have taken the tremendous amount of personal effort it took to package and ship the gaming system and all of its components in the first place. Because XXXX froze my account, I can't even look on the app to see if there is some sort of explanation of why they think I owe them {$90.00}. If XXXX refuses to communicate with me in anyway other than to send a creditor after me to collect $ for an unknown reason, then this is effectively fraud. Please make the creditors cease and desist and protect my credit rating from being impacted by this nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
The mortgage company I believe is ripping me off, The mortgage principal is not going down as we expect it to. When I tried to refinance with XXXX XXXX  XXXX XXXX the mortgage company I belong to wrote that company a letter indicating that I was behind in my monthly payment which was not true causing the refinance not to go threw ; then sent a letter explaining his office made a mistake writing that letter. It just seems that I am never getting out of this mortgage loan and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi was supposed to give me a {$59.00} and a few cents in a dispute I won. On my call with them in the middle of XXXX, they said they would give me the credit in XXXX days. I called and the person said the supervisor forgot to approve the credit. Now 20 days later they want me to wait another XXXX business days for the 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 monetary relief
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX my checking account at Bank of America had over {$1000.00}. That month I received a new debit card in the mail when I tried to use it the balance was XXXX. My bank statement came and all it said was debit account XXXX. I have been to bank and inquired, I was told the IRS must have taken it. I went to IRS and they knew nothing and they told me if they took it they leave a notification explaining why and what to do. I went back to bank and now XXXX told I can not file a claim or even look into because they force closed my account in XX/XX/XXXX and they have no access. I have been getting the run around each and every time I go into or call bank. The bank closed my account cause of bank charges and overdrafts from the money they took I became homeless due to this

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 2023-09-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We sent a certified letter dated XX/XX/2023 requesting that they cease and desist contacting us. We received a letter dated XX/XX/2023 from them alleging we claimed we were victims of fraud and requesting the documentation to prove it. We did not make such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was unemployed and they still wanted me to make payments. When I was employed I was working at a temp agency making only enough money to cover my rent and bills and they STILL would not lower my payments based on my income. When I was telling them of my situation each time they made excuse on why they could not or would not lower my payment. When I was unemployed a csr agent advised me to sell my plasma. I thought it was rude of them to ask me to do something like that. But I did not know who to complain too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting 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:
I have been with Lexington Law firm and XXXX for almost 16 years combined and still their systems reports inaccuracies in my reports, they don't fix or get rid of inquiries that was past last years and they keep having inconsistencies in my reports where I can't get ahead in my credit. Also they keep overcharging for services they claimed to have, but not exactly have those services and bad practices. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company ZIONS DEBT HOLDINGS LLC is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore Zions IS NOT the original creditor. I do not know anything about ZIONS I have never authorized any business with XXXX Nor Zions debt holdings. I have opened a police report and this This account needs to be deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: United Resource Systems, Inc
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the company for debt validation which I never received. Per a complaint I filed they said it had taken over 30 days. I have yet to received debt validation and the company is still reporting to all credit bureaus after saying they would remove the information from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Aldous & Associates, PLLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is just a follow of with the company with the eviction notion the company asked for more detailed information. The eviction is from XXXX XXXX XXXX XXXX in XXXX Indiana. This currently has me homeless because it has a false eviction on my credit and every apartment is denying me because of this eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Signed up for residential security with XXXX for an agreement of service for 60 months begin on XXXX to XXXX. To my knowledge all commitment was meet with the last payment on XX/XX/XXXX. I suspended the services as they rolled over a month to month service at double costs and wanted me to resign for another 36 month term. That was the end of the the original agreement. Since XXXX sold the account to Zion debt holdings reporting an inaccurate account balance. The only record Zion was able to provide was an altered hand written copy of the original contract showing multiple changes as to costs/month and the total number of months. When asked to produce a detailed statement of account they ignored the request and proceeded to submit the report to credit agencies. To my knowledge the altered document miss represents our agreement as non of those alterations were agreed upon. Such document does not show a breach of contract and is false and not valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation