BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2023 I deposited a check in business account at Bank of America. The receipt stated that my funds would be available on XXXX. The funds never got released. I had an overdraft fee of {$86.00} and the check was deposited to pay that fee to keep the account in good standing. Bank of America has closed the account, leaving me no funds available. The Deposit Agreement Disclosure pamphlet given to me, has no mention of this deceptive act. The unethical maneuver was intentionally left out of Bank of America guidelines, misleading the consumers. This Bank has promulgated a worthless greedy deceptive intrapment maneuver, by using the " Freeze '' option as a front for the account closure. Word play that tricks those consumers who don't read the Deposit Agreement and Disclosure. In addition leaving bank accounts open to collect measly overdraft fees, till consumers Deposit funds then they close your account for at least 6 weeks minimum stating a check will be sent to your address. There is no true overdraft protection. XXXX is when the close of the account " begin '', essentially starving me hard before I get my funds. Taking my money, after I tried to pay them and set it right, How can CFPB allow them to operate in this renegade way not disclosing, deceptive acts, entrapment, violating my rights procedurally, collusion, and creating economic retaliation are also a definite practice.They are so deep in to where they don't even honor their own receipts, And when I call customer services and fraud department the entire staff sound digitronic. The job has removed all human element. That check was a loan from my father 's insurance policy for my bills, Bankofamerica scammed me and I need help swiftly, for every day after XXXX I request {$1000.00}, this is the most ridiculous thing in financial history.

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I filed a dispute with XXXX, XXXX and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. 

Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : XXXX XXXX  Acct # XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Resurgent Capital Services L.P.
State: PA
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:
The original creditors XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as a fraudulent account on a police report that I have sent them. As a result they were removed from my credit report. LVNV Funding LLC is the new agency reporting the fraudulent account. They are reporting on my XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Capio Partners, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX credit report shows two collections for Medical Debt to XXXX in the amounts of {$130.00} and {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2023-03-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXX XXXX XXXX XXXX XXXX Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Accelerated Receivables Solutions
State: WY
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:
I was served papers by a debt collection agency as their first point of contact for a debt that isn't mine. They also attempted to charge interest on the debt, which is illegal. When I tried to contact them to resolve the issue, they refused to answer or call me back, which is also a violation of the law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide me with certain information, such as the amount of the debt, the name of the original creditor, and my rights to dispute the debt. It's clear that the agency did not follow these requirements by serving me papers as their first point of contact without any prior notification or discussion with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I applied for a Discover card through their website directly. My XXXX credit score on that date was XXXX Immediately after applying, I was asked to call an XXXX number. After calling the customer service number provided I was told that I would be receiving an email for a tax return release so that Discover can verify my identity. Discover received my tax returns from the IRS, including dependent social security numbers and information. After several weeks, I reached out to Discover to inquire about my application status. They now wanted pictures of my ID and social security card. About four weeks after my initial application, I receive a denial letter stating that Discover is unable to verify my application! This is absolutely ridiculous after they collected so much personal identifying information. I am requesting that Discover remove the hard inquiry from my XXXX credit report and permanently delete all personal information on file that they collected from me during the application process. As a California resident, I am entitled to request such. Lastly, Discover has no business collecting names and social security numbers of children and dependents on tax returns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Genesis FS Card Services, Inc.
State: CA
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:
Credit company is stating my card was closed in XXXX but I used my card in XXXX to buy XXXX presents. I made my payments in XXXX and paid off the card in XXXX and XXXX and paid an extra {$100.00} to have a positive account balance. I was never notified that my account was closed or that there was any issue with the account. Only mail I ever received was the account monthly statements. Account is closed so be it. All I'm asking for is the extra 100 returned. There was evidence of all this but now I'm locked out of my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666 b : A creditor my not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-12
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Figure Technologies, Inc
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FIGURELEND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: HW Holding, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I havent been contacted regarding the debt, and I didnt know I had an account in collections until a couple months ago. I have been disputing the debt and trying to contact Hunter Warfield since then. The company has not verified the debt for me or been in contact with me regarding the debt. I tried to get ahold of the original creditor and they refused to communicate with me, and said to speak with the collections company. The collections company has incorrect dates as well, the debt is dated from XXXX of XXXX, but I was on the other side of the country at that time. The amount owed is incorrect as well, the original creditor had assured us there would be no financial charges according to our rights under state law. However, they will not speak with me since this conversation in XXXX of XXXX. The amount has also been increasing despite zero contact from them or proof of debt. Hunter Warfield did not provide any contact information or way to reach them until my denied dispute, and still will not confirm the debt for me. I do not think they are investigating proof of debt, and I am concerned by the lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.

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 2023-03-12
Company: Equity Auto Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
As of XX/XX/2023 my account on my vehicle was 35 days past due. On XX/XX/2023 the vehicle was repossessed without notice. After paying over $ XXXX on the vehicle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.

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 2023-03-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a 30-year VA-guaranteed mortgage loan with fixed payments of $ XXXX with lender Navy Federal Credit Union ( NFCU ) since XXXX XXXX. 

Around the last week of XXXX, I received a letter from NFCU stating that beginning XXXX my monthly payment would increase to $ XXXX ( {$670.00} total escrow increase for XXXX ), the reason for increase unclear. Also stated, I had until XX/XX/XXXX to pay the entire amount as an option to keep my payment from increasing. On XX/XX/XXXX, I mailed the full escrow increase payment to avoid the increase-see attached copy. 

On XX/XX/XXXX I checked my mortgage to insure my monthly payment was still as originally agreed, but instead I saw it was increased to the new higher monthly payment. I immediately called NFCU at XXXX and spoke with XXXX. After explaining the above, she just stated repeatedly that even with the full {$670.00} payment I still owed additional money, but couldnt provide a single logical reason for her absurd statement. I unequivocally asked to get everything explained in writing, but they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CO
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  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 XXXX has violated my rights. 

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

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2023-03-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been paying since XX/XX/2021, on my Synchrony account each month via auto pay. 
I recently checked my credit score & was astounded that the score went down XXXX points. 
When I researched to find answers, I discovered that Synchrony had reported late payments. 
Since auto pay was in place, I tried to talk to President or CEO of Synchrony. I also used XXXX, but have not received acceptable responses. 
I have Auto Pay in place!

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 2023-03-12
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.

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