BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a an account with bank of america. Almost 6 years ago, I had a secured {$500.00} credit card with them. This card was used to purchase a new bed for my bad back. The card was a front for a check I was to receive from my boss the following week, however my boss at the time refused to pay me and I had to pursue litigation which lasted a year before I could recover payment. In the meantime I couldn't make the payments on the account and it was closed. I currently have alot of cash and piggyback on my fathers credit which is near perfect and has an incredible history. However my score never goes up because of this closed account from so long ago which was due to circumstance. The account was paid off a few months after it closed however It has been almost 6 years with nothing changing. I need my credit to not be affected by this as I have purchases that I need to make that require a good score. I have tried resolving this with the bank with no luck and have no idea what to do.

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 2022-03-22
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It was brought to my attention that LVNV FUNDING LLC claims an unverified debt of {$570.00} on my consumer report 0n XX/XX/2022 from XX/XX/XXXX, XXXX not only was this debt not verified its also beyond Maryland 's three year statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: FC HoldCo LLC
State: OH
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:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2016-04-12
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had XXXX done at the Hospital XXXX. I received a statement from them stating that I owed XXXX I called the Hospital and explained I would need a payment plan to pay the amount I owed. They sent out paperwork that I filled out and returned to them. After waiting and not hearing anything I called them back 2 times to try to find out about a payment plan. I was told both times not to worry, that they were overwhelmed and would get back to me. I received a phone call from the Revenue Group stating they were taking over my account. We agreed on an amount and I was told they would send out a statement in a couple of weeks. 
I received a phone call from the Revenue Group about a month later asking me why I have n't paid on my bill. I told them I was waiting for a statement from them. They informed me they sent out XXXX statements. I never received these statements or any kind of validation notice from them in the mail. I verified my address with them over the phone. In good faith I sent them a check equal to XXXX payments and reminded them that I still have not received any type of paperwork from them. The check was cashed about 2 weeks later. As of today we have not received a receipt, validation notice, or any kind of written statement from them. If they are sending them out, I am not receiving them. I do not wish to be called by them again insinuating I am not paying my debt. I am more than willing to pay what I owe, but I would like some type of receipt or statement proving that I am sending my money to the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Jim Bottin Enterprises, Inc
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling me repeatedly when I 'm at at and around XXXX. They said there is a problem with my account and they are represented some fitness company and there membership. I do n't have any memberships to any where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I sent a request to Equifax to investigate Account Name : XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. Equifax responded on XX/XX/2022, and said that XXXX XXXX XXXX had been deleted from my credit file but I learned later that this was NOT ACCURATE after obtaining my consumer report. XXXX XXXX XXXX was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. On XX/XX/2022, Equifax also reported that XXXX XXXX XXXX XXXX was not reporting on my consumer file but I later learned that was NOT ACCURATE after obtaining my consumer file. This account was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. Equifax responded on XX/XX/2022, that they completed the reinvestigation and they verified XXXX XXXX. Who is XXXX XXXX?? I did not request an investigation for this account because it is not on my consumer file. How did they do a fair and accurate investigation if they verified an account that is not on my consumer file? Equifax also responded that XXXX XXXX XXXX was verified but how was it verified if they reported to the CFPB on XXXX XXXX XXXX, that this account was deleted. Equifax has violated my right to privacy in accordance with 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 an account without my written instructions. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the consumer file. I demand that these inaccurate accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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:
The following companies are reporting old accounts that were included in my XXXX XXXX bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. XXXX, XXXX, and Experian refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The Company is Coinbase. I made a deposit of {$7000.00} on XX/XX/2022. 
They require 5-6 days to have access to the funds. The waiting period has been fulfilled. They are now restricting my account because they said an additional {$7000.00} Deposit was attempted but funds were not available. I requested they disregard that deposit as clearly it was unintentional and a double entry error. They would not clear the error and said the amount needed to be satisfied to clear the restriction. I deposited a second {$7000.00} to clear it up and they are now still restricting access to the funds. They will not let me speak with someone on the phone and will only communicate by chat on their website. They will not provide an email to someone, as I would like proper documentation of our correspondence. The only name I have is the chat person who goes by " XXXX ''. I'm not joking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company listed on statements and on my online account the loan was being paid as I paid extra payments and at the end they said I owed more money, it was not paid in full. They also sold me fraudulent unemployment insurance that I was never able to use after many attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage company has not paid my Property taxes and holds excessive dollars in the impound account. There is 2.5 times the the tax bill in the escrow account. I have call the Mortgage company and uploaded the most recent tax bill to XXXX  as per instructions from the Mortgage servicer. The dollars still sit in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Venmo is retaining my funds unnecessarily. They suggested I find another service, I don't understand what happened. I need the funds to survive, after explaining that my account is deactivated and I can not recover my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: CarMax, Inc.
State: SC
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 Carmax Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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. 

15 USC 1666B- A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I 've had fraud occurring  on my Capital One credit card since  XXXX  of 2016. I tried to report it per their 0 % fraud liability but they refuse to let me report it, refuse to let me close the card, and more fraud keeps occurring. I have went to the branch several times and provided my bank statements, utility bills, social security card, US passport to verify my identity to branch personnel who vouched for me and submitted copies of my verification documents. Yet Capital One refused to credit my account for fraud or even allow me to report the transactions. I keep paying the minimum every month to pay for fraudulent transactions and Capital One in turn charges me more than that in interest. They actually owe me a credit balance refund but they try every way possible to avoid ma rking transactions as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US Bank offered {$300.00} after opening account with a {$5000.00} minimum. Money needs to be in account at least 90 Days. My deposit was made over 120 days ago and havent received the {$300.00} dollars. Ive called customer service three times in the last month about not receiving the {$300.00} with no success.

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 2022-07-21
Company: ALLY FINANCIAL INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the morning of XX/XX/2022 my mother-in-law ( XXXX XXXX XXXX ) closed her savings account with Ally Bank and requested that the funds be transferred to her XXXX XXXX checking account so that it would be included in her trust. I have a screen shot showing that Ally would take 1-2 business days to close the account ( {$250000.00} ) and 3-5 business days to transfer. She passed away on XX/XX/2022 but Ally Bank was never notified because we knew that this transfer was in process. She never received notification that there was any issues with transferring the funds. On XX/XX/2022 I attempted to log onto her account to see if the funds had transferred and the account locked because the inquiry came from a new device. After contacting Ally later we were told that they would need documentation. I sent them her death certificate, copy of the document recorded at the XXXX XXXX Recorders Off e showing me the Trustee of her trust, a copy of my drivers license and directions on where the funds should go. They come back saying that it would need to go to probate now. I argued that this should have been a done deal and that Ally dropped the ball. When I asked Ally Bank what was the issue with the transfer of funds all they say is We cant disclose that information. It was obviously an error and their part and now they want us to spend thousands of dollars going through probate.

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 2022-07-16
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Kross, Lieberman & Stone, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.

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 2022-07-16
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide Recovery Systems has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) in the amount of {$280.00} without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but Nationwide Recovery Systems continues to claim the validity of the debt without providing the DOFD. This gives the erroneous impression that I have recently and knowingly defaulted on a debt.

Company response to consumer: Closed with explanation