BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : Enclosed with this letter you will find from Collection Bureau of America : Initial collection letter Validation letter Response They provided this from when I disputed with the Consumer Financial Protection Bureau ( CFPB ) case # XXXX on XX/XX/XXXX. 

I am still disputing this as my debt. 

However, it has now been over 5 years from when this debt was owed which was originally from XX/XX/XXXX as I live in the State of Florida and its now past its statue of limitations.

In fact, in the letter from Collection Bureau of America they clearly state at the top : ( 3 ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

Per the law as I understand it, and as they have in fact stated themselves. This is past the 5 years in which they can collect, are not able to sue, and they will not report to any credit reporting agencies. 

Please have this debt completely removed from all of my credit reporting agencies as soon as possible. 

Please see attachments to this complaint which are : - drivers license - social security card - proof of mailing address - my letter about the claim - XXXX 's validation letter - XXXX 's response letter - XXXX 's initial debt letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: CO
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:
Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?

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 2017-08-30
Company: EQUIFAX, INC.
State: CO
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:
Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XXXX XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XXXX XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid off the balance on my credit card on XX/XX/XXXX, it was posted to my account on XX/XX/XXXX. Barclay/Upromise then charged me a late fee on XX/XX/XXXX. But there wasn't a payment due that was late since the balance had been paid in XXXX. They charged another late fee on XX/XX/XXXX & XX/XX/XXXX. In XXXX, I received notification from XXXX that I had a negative mark on my credit. At this point, I realized Barclay 's error. I contacted them in XXXX and they assured me they would credit my account for the incorrect late fees. During these months, the credit card had not been used. I received a letter on XX/XX/XXXX from Barclay informing me the account had been closed due to non-payment. My credit limit with them was {$17000.00} and they closed the account for {$80.00} of erroneous late fees. On the XXXX statement, you can see where {$120.00} was credited to the account ; however, I did not make a payment. It seems they were reversing some of the late fees. From XXXX to XXXX, I did not receive a single phone call informing me of late fees or the threat of a closed account. When I spoke to the representative today, they mentioned there were no notes on my account showing attempts were made to reach 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 monetary relief
Consumer complaint received 2018-12-15
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: Information belongs to someone else

Complaint:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.

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 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am recieving XXXXs from a fake banking company. They sent the offer via mail and i have the letter they sent. Its an offer for a {$1500.00} dollat loan with an intrest rate of 299 %. I know this is a scam because of the high intrest rate. Attached they have a listed website and a seemingly legit buisness. The company name is CashNetUSA. Attached is a card similar to a credit card a traditional legit bank would send as well as a website and a phone number. 
# XXXX They have another number attached where the person can call to recieve an " opt put notice '' but this is a trick just to obtain the victim phone numbers and possibly sell the number to other companies. 

The scam is they are posing as a fraudulent credit institution and they are sending it via the postal service and as an XXXX 

Thier return address is XXXX XXXX, MN permit XXXX. XXXX However its stamped with another address : XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX. 

This is directly targeting individual residence using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Good afternoon, I am requesting clear legible copies of all checks payable to XXXX XXXX XXXX from XXXX XXXX, 2019 - XXXX XXXX, 2019. Preferably scanned and hard copies. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today XX/XX/XXXX, I received US banks response to an issue or complaint report in XX/XX/XXXX. According to US bank, my hazard insurance had an issue with underwriting within 6 weeks of the purchase of my home. I never received any notification from the bank that would allow a prompt fix to the insurance concerns. US bank states the insurance was no longer in effect XX/XX/XXXX. I was not provided an opportunity to address the issue before it got out of hand. US bank, claimed they mailed me letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, prior to them placing forced insurance on my loan in the amount of XXXX. I never received these documentations until today XX/XX/XXXX in a packet provided from the bank that included the insurance Declarations. 

Why if an insurance company has underwriting issues, would the insurance department not reach out to me either by email, phone, or confirmed mail? If the mortgage company acknowledges that there is no hazard insurance on the property on XX/XX/XXXX. How is that it is acceptable to wait 10 months to claim notifications were sent? 

In the packet provided by US bank included said notification ; unfortunately for me, this is the FIRST time I am in receipt of these letters, As well as the Declarations of XXXX XXXX XXXX XXXX. 

US bank failed to provide adequate time to address an issue that was an easy to fix and would have saved me thousands of dollars. The mortgage company requires an up to date phone number and email address. Which they have, so why did they not confirm knowledge of the concerns on the insurance. I am negatively affected by the lack of notification provided by US bank. 

By providing this information today XX/XX/XXXX, does me no justice as I can not go back and fix anything. US bank has failed to service my loan/insurance/escrow/and monthly payments in the manor to which they should have. 

I do not believe I should be held at fault since US bank failed to give me the opportunity to fix the error within a reasonable time frame. 

One thing I am confident is that US bank would call/email/and send letters, if ever I was to miss a payment. SO, why can I not get the same respect on other aspects on my loan.

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 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a credit card debt, which I do not dispute. The Debt Collector Handling this debt is Presently Portfolio Recover Associates LLC, XXXX : XXXX. My complaint is about their fraudulent use of " spoofing '', using technology that allows Portfolio Recovery Associates to create fake caller I.D . numbers to mislead who is calling me on my cell phone, the latest number they used that was on my phone XXXX cell, was XXXX XXXX, others XXXX XXXX, usa, XXXX XXXX all false caller id numbers, this is fraudulent representation of themselves in regards to who is calling me, Portfolio Recovery Associates. sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I asked this debt collecter for a list of their office branches if they had more than one, they hung up. SS # XXXX please leave my personal information in this document! Do NOT REMOVE IT FOR THE LEGAL RECORD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX  company reported XXXX XXXX Mortgage past due to XXXX, Experian and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX to XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to Equifax, XXXX and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX XXXXo XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor. 

The FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector.A statement that, if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

I didn't not recieve this. That is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Keynote Consulting, Inc.
State: IL
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:
I have requested this collection company to validate this debt they were unable to provide adequate validation. This is not a valid debt. I do not owe that company that money and I have also filed a dispute with the credit bureaus at the same time that I was requesting debt validation and they responded to the credit bureaus which is also a violation. I would like to have this account removed from my credit reports because it is not a valid account and I do not owe this money.

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 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of this year I received a checking account statement from Bank of America, which I did not open. I called and informed them of the fraud and was assured it would be closed. ( I immediately reported the identity theft to the FTC. ) In XXXX I received another checking account statement, I again called and informed BofA of the fraud. In XXXX I received a threatening letter saying I was going to be reported the XXXX XXXX and XXXX XXXX XXXX and would not be able to establish a future banking relationship for five years, as I had not presented them with proper identification!!!! I called them again. Next day I received another checking statement!! My credit score has tanked and they will NOT listen. They obviously opened the account sans any form of ID. How disturbing is that?

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 2021-09-23
Company: Diversified Adjustment Service, Inc.
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DIVERSIFIED ADJUSTMENTS SERVICE would verify the debt. So I took it upon myself to ask DIVERSIFIED ADJUSTMENTS SERVICE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX,  XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor,  ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,

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