BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had bad service with XXXX  and they released me from my contract. I then sent back the device. They then billed me for the device. I then called to resolve and they acknowledged ( on 2 occasions ) that they did receive the device. They still continue to sell my information to debt collectors that routinely call me. No matter how many times I explain it they call back and are rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reason to believe that First Source Advantage has my nonpublic identifying informational without my consent and is attempting to coerce me to pay an alleged debt which is illegal. I need them to prove how they received my private information without my consent and also what law gives them the right to attempt to collect this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: IL
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:
1. The lender (   XXXX   XXXX   ) re ceives notice from  XXXX  Police Department that my vehicle is being held in the impo und.   (  XX/XX/XXXX  ) 2. The l ender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early  if ... ( e ) the ve hicle is seized by any local, state, or federal government or authority.  '' (    XX/XX/XXXX  ) 3.   Repo ssession agenc y (   XXXX   XXXX , state license  XXXX   )  sent letter to me notifying me of " my right to retrieve my personal effects or other propert y. '  ' (  XX/XX/XXXX  ) 4. Lender sent me " Notice After Repossession. '' (  XX/XX/XXXX  ) 5. Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession. '' (  XX/XX/XXXX  ) Pulled c  r edit reports from the  XXXX  credit bureaus  (  XX/XX/XXXX  ) 6. Dis puted the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks fr om  XX/XX/XXXX  to  XX/XX/XXXX  dele ted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit bureau s. (  XX/XX/XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal law 15 USC 1681i ( Procedure in case of disputed accuracy ), and hung up while I was talking. (  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 explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Keeps changing the status of this account from included in bankruptcy on XX/XX/XXXX report to a chargeoff on XX/XX/XXXX then back to included in bankruptcy as of XX/XX/XXXX report now currently back to chargeoff on XX/XX/XXXX without sending me any change of status notification nor proof that XXXX is sending this information to change. Next violation excessive reporting CO for years, XXXX violation reporting a balance on a charged off closed account. There is no bankruptcy so they just take it upon themselves to change the status on your own without any documentation from XXXX telling them to do so. Thats not right and fair. I have requested documentation several times and they have failed to provide me requested documentations from XXXX. This is and old dead account that XXXX wrote off.

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 2022-07-10
Company: Flagstar Bank, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
About 18 years ago I had a mortgage with Flagstar Bank. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from Flagstar that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.

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 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 a client of Bank of America illegally cashed/deposited my stolen and tampered with check for {$12000.00}. This check was from my account at New York XXXX Bank. Said check was deposited/cashed without questions or incident at BOA. Check was obviously tampered with. Date was written in very oddly using numbers where they dont belong, signature was traced sloppily, left over residual ink was still on the check from a bad attempt at " washing the check '' and the enormous amount was made out for " school books ''. This check went through Bank of America 's " security '' and as a result I was robbed of some of my retirement funds. Bank of America had a client who was not a real person but a fraudulent account or instead a professional scammer. The lack of due diligence on their part by not inquiring as to the legitimacy of their " client '' and their lack of security measures has caused me, an innocent party, to loose {$12000.00}, a great sum of money for me as I am retired, with XXXX and no husband or children. I am becoming so ill from the stress from this loss that my health is becoming worse. I do not eat or sleep and I will take this story to television media and have Bank of America exposed if they do not restore my full {$12000.00}. I will not accept anything less than my full amount which they have caused me to loose! I have already reported them to several government agencies and I will continue to bring this issue to the surface in social media and television as I am presently in touch with two networks that advocate publicly on television such things for consumers as myself. I am a victim twice. Once by the scammer and another by the largest bank in America... ..Bank of America . This is horrendous what this bank has done to me. I will let New Yorkers and the rest of the country know what this bank has done to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: IL
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:
1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian CFBP and Fair credit has fail to investigate my complaints when this organization was put in place to protect public and assist the public and is during nothing I am a paying member to Experian you reach any one on the phone nor have they investigated my complaint, but want me to renew my membership no way in in hell is the going to happen when they support the company 's wrong during

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 2022-03-15
Company: EQUIFAX, INC.
State: FL
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:
They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid 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:
On XX/XX/XXXX I went to a local bar. Ordered food and drinks. The bill came to XXXX. I handed them my credit card. When I signed the slip to return to the bar. I wrote in to add a {$5.00} tip. The next day the owner called me and said the bartender accidentally made the tip {$120000.00}. They said they would contact their merchant and stop the transaction. My account limit is only {$8500.00}. I figured it would get declined if they didnt get it stopped. The bar called me the next day claiming it was fixed. Three days later it posted and was approved. I saw it using my credit card app. So I called the company and disputed it. Obviously. The next day XX/XX/XXXX. The credit card company and the bar both returned the {$120000.00}. So now my credit card showed negative. I contacted my credit card company again to fix the problem. It took till XX/XX/XXXX for them to rebill me. However they processed it twice. So it was two {$120000.00} chargers on my account. Showing again for the second time that I owed {$120000.00}. I called my credit card company back again. They saw the issue and said they were fixing it. I should see it in 3-5 days. It wasnt fixed. So I called again. I talked to their manager. She said she fixed it. I was on hold for over 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another week it was not. XX/XX/XXXX it still has not been fixed after calling many many times. I now received and email from credit karma. Because of such a high balance and over my limit on a credit card. My score went from a XXXX to a XXXX. Right while I am in the process of buying a home. I called the credit card company on the XXXX of XXXX. To talk to the highest superior in the building. After over an hour. They reassured me that it was fixed and I should see it in 3-5 days .... they would not send me proof in paper or email of it. They also said they sent a dispute to the credit bureau. But that will take 30-90 days before they even look at it. All I did was buy dinner. And this company has been ruining my life with not getting anything done. My credit card is locked bc it claims I owe {$120000.00}. And now my credit is ruined and I lost the house I tried to buy. This needs fixed and no one is willing to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On    XX/XX/XXXX , I was notified of a garnishment that would soon commence by the  Human Resource department.  After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff  : c/o   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  GA  XXXX .  XXXX .  XXXX   File n umber :  XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house .,  XX/XX/XXXX ,    XXXX   XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   ;  XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  GA  XXXX   XXXX  filed a suit stating an amount owed of {$1000.00} plus $  XXXX  -a  ttorney  fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also   XXXX    differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank.   On   XX/XX/XXXX ,     XX/XX/XXXX   XXXX   XXXX   XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment.  XXXX   XXXX   XXXX  sold account to  XXXX   XXXX   XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting  XXXX   XXXX   XXXX  to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company  XXXX   XXXX   XXXX , also state they do not have any information regarding the debt.  XXXX   XXXX   XXXX  filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by  XXXX   XXXX   XXXX    XXXX     XXXX . I believe my case falls within claims against  XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX  interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
1. The lender (   XXXX   XXXX   )  receives notice from  XXXX  Police Department that my vehicle is being held in the impound.  XXXX   XXXX   XXXX  )  2. T he lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if ...  ( e ) th e vehicle is seized by any local, state, or federal government or authority. ' ' (   XXXX   XXXX   ) 3.   R epossession agency  (   XXXX   XXXX , state license  XXXX   ) s ent letter to me notifying me of " my right to retrieve my personal effects or other property. ' ' (   XXXX   XXXX   ) 4.   Lender sent me " Notice After  Repossession. '' (   XXXX   XXXX   ) 5.  Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession.  '' (   XXXX   XXXX   ) Pulled cr edit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6.  Disputed the accuracy from my auto lender  (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us. (   XXXX   XXXX ,  XXXX  )  8. Inf ormed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( Proc edure in case of disputed accuracy ), and hung up while I was talk ing. (   XXXX   XXXX ,  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 explanation