BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have sent Barclay Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX ) that I disputed this account on my credit report. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done. 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ XXXX {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached of my current ( XX/XX/XXXX ) XXXX credit report of the Barclay account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Barclay Bank.

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 2015-07-19
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, Debt Collectors, continually robocalls my number, looking for someone who does n't live here, had never lived here, and is not me. 

I have asked them repeatedly to remove my number. The calls continue. They also do these calls on Sundays, when their offices are not even open to begin with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We Defaulted on our car lease payment in 2018 because the Nissan dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain XXXX XXXX, XXXX contact us in an effort to collect the debt. And at this same time this NISSAN-INFINITI LT went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SQUARETWO FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NJ
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  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 2015-10-22
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: AR
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I 've been with Rush Card 8 years and they have n't funded my money and it 's been three days since I 've supposed to receive it, I have n't paid any bills because I do n't have my money and it 's not right, I only receive XXXX every two weeks, it 's hard for a single mother.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..

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 2015-12-10
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called the XXXX XXXX XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call the XXXX XXXX XXXX. I was caught in a XXXX with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.

Company response to consumer: Closed
Consumer complaint received 2016-05-13
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.

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 2017-02-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX XXXX, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED

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 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
an account was opened in my name and social security number that i never opened. im not sure when the account was opened. it was closed on XX/XX/2020. the charge of amount is {$170.00}. the reported adress is a place in Oklahoma i have never lived at. i have tried to open several checking accounts and can not do so because of action. i dont really know where to go from here because the XXXX  gives me no other info besides a routing number and the last for numbers of the account.

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 2015-04-29
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I signed up for this credit card, it was supposed to come with the benefit of getting a XXXX night when I booked XXXX nights with points, which is why this card has a hefty annual fee. I just paid my annual fee back in XXXX of this year and then a few weeks after I learned that they are taking away this benefit! This is completly unfair since that is the only reason I paid the renewal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX.  My wife and I had an existing mortgage with XXXX during this period.  Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification.  Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification.  In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process.  Please help us!  I served my country in good faith and am now being put out of house and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My XXXX card not showing up on my 3 credit reports and they are reporting in excellent standing. The last report date to the bureaus was XX/XX/XXXX. Account was open XX/XX/XXXX last card XXXX are XXXX. All 3 bureaus said they didn't get the info, but XXXX said they're reporting.

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance to the fair credit reporting act bank of america has violated my rights

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 2015-05-15
Company: Residential Credit Solutions, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: WI
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 Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 2016-11-21
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Doctor bill submitted for collection, I then paid the debt directly to the doctor not the collection company. Collection company states I still owe the entire debt including interest they are charging based on the original amount.

Company response to consumer: Closed with explanation