BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2019 I opened a cell phone contract with XXXX XXXX XXXX. A few months later, I decided to upgrade my phone early in the XXXX XXXX. I traded in my phone and the upgrade was complete. I got my next bill and it was about double what the bill typically should have been. I also noticed there was an additional line on my account. I called XXXX XXXX XXXX and was told that the representative in XXXX signed me up for a buy one get one deal, so I was being charged for 2 phones and 2 lines of service although I only had one. I asked what could be done to fix it, and I was told to return the phone that I had gotten in XXXX  and the contract would be cancelled, and I would be charged nothing additional. I returned the phone, and XXXX XXXX XXXX claims that the return isnt reflected being reported by XXXX even though I have provided XXXX XXXX XXXX the return receipt, they need the return to be reported by XXXX. I had gone to the XXXX  store, and the manager on duty spoke to a manager at XXXX XXXX XXXX. Neither business wants to adjust my bill, they agree that I shouldnt be penalized for the mistakes made at XXXX, but XXXX XXXX XXXX refuses to waive my bill. They are billing me for a phone that was returned to XXXX as well as services for an additional line that never existed. I am outraged and disgusted by XXXX XXXX XXXX. Theyre ruining my credit as a result of something that is absolutely not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX i received notice from my child 's dad that I had a collection notice being sent to his XXXX XXXX XXXX I called the agency to see what the debt was about and it turned out to be my daughter 's. There was a mismatch with her last name change and did not bill her secondary insurance bc the names were different on the primary and secondary insurances. I corrected her name then called the billing office of the provider to give them the updated information. They told me it would be taken cared of. Well, beginning of XXXX in XXXX someone from the billing department calls again and asks for my childs primary and secondary information AGAIN. I give it to them and they say everything is good. Well at the end of XXXX in XXXX dad receives another notice while I am out of the country. When I returned in XXXX I see that on XX/XX/XXXX or XXXX that the collection has hit my credit report. On XX/XX/XXXX I call the billing office who said the account was paid and closed. So I'm under the impression now that the agency jumped the XXXX and it would be removed. Well on XX/XX/XXXX I received another alert that I had a collection on my acct so on XX/XX/XXXX I call the company and explain what took place and the representative was very rude and snotty about what I needed to do when I had ALREADY done that. Ultimately, this is the fault of the hospital 's billing department because they assured me TWICE that the account was taken cared of but the representative wasn't trying to understand that. This is not a debt I owe as the medicaid coverage should have covered the balance in full as the secondary insurance. I haven't received any notice from medicaid that my child has been dropped or that they did not cover any claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

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 2022-10-09
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
AVID ACCEPTANCE I asked for an accounting ledger to verify this debt and for it to be notarized by an accountant. I have been going through this for almost 3 months with no compliance whatsoever. Ive expressed the importance of this situation with no results. After looking over the contract I found that they left out a lawful notice on it which is fraud and report them to the FDIC and fair credit. I attached it below.

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 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hi, I am filing another complaint on Bank of America. This is following a complaint I made back in XX/XX/XXXX. Bank of America has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. Bank of America has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you

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 2022-10-09
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1st Franklin stated that I received a live check in the mail, I question how did they get my information? I never gave them my information which means they bought my information and used it for their own purpose which identity theft. 

1st Franklin identify as a debt collector under FDCPA 15 United States Code 1692a ( 6 ) and it is against the law for 1st Franklin to state that I the natural person owes a debt which is a violation of 15 United States Code 1692b ( 2 ) of the FDCPA.

1st Franklin states that they may proceed with advanced efforts which could include filing a lawsuit against me. That is a violation of 15 United States Code 1692d ( 1 ) and it is a criminal violation of 18 United States Code 894 a ( 1 ) and ( 2 ). This is a form of blackmail 18 United States Code 873 and this committing a conspiracy against my rights 18 United States Code 241. 

1st Franklin has no authorization to sue. I have a right to refuse to pay until the provide me what I have requested which are books of accounting and contracts where I and 1st Franklin signed, also to provide adequate notices.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have request Experian to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Experian has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Experian to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for Experian to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listed the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX LL Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2020-12-25
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
Santander messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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:
I have tried to apply for the XXXX XXXX with Huntington Bank on several various occasions and just recently applied, within the last several weeks, for this card. I absolutely understand the credit criteria that is involved with Huntington Bank for their cards, but this is highly ridiculous. I have more than $ XXXX hitting my checking account each month, have a debt to income ratio sitting at 7 %, and have over {$14000.00} sitting in a savings account with them. Doesn't anyone look at my account relationship or the nature of the amount that is hitting those accounts or do they simply use a ridiculously outdated scoring system without consideration of trying to broaden a relationship with their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: PHH Mortgage Services Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or. 
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work. 
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TD BANK US HOLDING COMPANY
State: TX
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: Was not notified of investigation status or results

Complaint:
My FCRA rights have already been violated at this point. I have attempted to rectify this issue but to this point haven't received any updates whatsoever on this matter. There was no notice that a proper investigation has taken place or in process. Upon viewing my credit reports I noticed TARGET/TD had a discrepancy in the " account number '', " date of last activity '', date of last payment '', date opened '' and " payment history '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is being reported as a collection/charge-off which means there should be no payment history reflecting on the credit report. This is a violation! This account is also reflecting a " past due balance '' of {$1500.00} which is another violation if your reporting this account as a collection/charge-off. You cant report a balance owed and a " past due '' balance as well. If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Bread Financial ( via Comenity Bank ) is issuer of my BJ 's Elite Mastercard. Since XX/XX/2022 company has failed to properly report my revolving balance to all credit agencies resulting in my credit utilization being higher than it actually this. This in turn has lowered my credit score for the past four ( 4 ) months. 

Currently the company is reporting XXXX XXXX of my account 's limit : {$1000.00}. My XXXX, XXXX, XXXX and current statements are {$0.00}. 

I have attempted numerous times to resolve this issue with customer service, but receiving no support except for the canned responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.

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 2022-10-09
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The is a general complaint with gift cards from XXXX or XXXX that are given as gifts and are supposed to be able to be used in a store without registering the card, or online after registering the card. If you try to use it in a store there will be a hold put on it and may not be able to be used until you call them and they send you another one. It is a soft sham by US Bank National Association ( XXXX.XXXX  ) who, after receiving money for the purchase of the card do everything they can to keep from parting with their easy money. One easy question for you : can you not require the company to provide accounting on what percentage, and how much, of the income from their gift card purchases are actually paid out? They have even thought of this by saying that the account remains open forever. Come on guys. Have you really not looked into this? Every person so know has received one of these cards in the past 5 years.

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 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
At this point my FCRA rights have already been violated. I noticed CAP ONE AUTO had a discrepancy in the " payment history '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is reporting as a collection/charge off which means it shouldn't have any payment history or past due balance ( {$15000.00} ) reflecting. This is a violation! If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
i submitted disputes with Equifax and they are either not carrying out the investigation or not sending me the results i submitted a 3 dispute with the CFPB on XX/XX/2020 its XXXX/XXXX/2020 still no results the responded through the CFPB website saying they are carrying out and investigation still no response it has exceeded the 30 days required by law if you look in your system it has exceeded the 30 days required since i submitted through you the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My monthly payment is due on the XX/XX/XXXX of each month. I sold my vehicle to XXXX on XX/XX/2020. Capital One Auto Finance sent message vehicle was paid in full XX/XX/2020 and title will be released. They reported my payment as 90days past due even though account was paid off.

Company response to consumer: Closed with explanation