BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I received my first phone call from Lanier Collection Agency regarding a debt. I am/was entitled to a written letter of my rights within the first five days after being contacted under the Fair Debt Collections Practices Act. I never received such letter and thus, Lanier Collection Agency is in direct violation of my rights under the Fair Debt Collections Practices Act, and the debt is thereby invalid. I notified Lanier Collection Agency via certified mail ( USPS XXXX XXXX XXXX ) that continued attempts to collect or otherwise fail to dismiss the debt would be reported to the Federal Trade Commission. On XX/XX/2022 at XXXX XXXX  I checked my XXXX credit report online and Lanier Collection Agency appeared as a derogatory mark on my credit report, indicating that Lanier Collection Agency failed to dismiss the debt. Attached are photos of 1 ) the letter sent to Lanier Collection Agency 2 ) proof of delivery of that letter via the issued USPS tracking number. 3 ) a screenshot of Lanier Collection Agency showing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: KEYCORP
State: VT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Key Bank bought out first Niagara, where my car loan was held. Checked Key Bank account, no pending debits, so I paid my {$440.00} car payment on XXXX. They autodebited {$440.00} that same day. Called 2 days later on XXXX : horrible customer service, said they would call me back when someone who could reverse charge was available. Never called back. I called them on Monday XXXX. Staff person was knowledgeable, but said I might not see the amount come back until XXXX/XXXX/16. Seemed like a long time to wait, but fine. Today, XXXX/XXXX/16 -- no money credited to my account. Called Key Bank. Was put on hold for 35 minutes ( the recording warned of 3-6 minute waits ). Was told that because I do not have a Key Bank checking account they have to mail a check, which they will do on Monday. This is a long time to wait, and I did n't get the same answer out of any XXXX people. I 'm still not convinced I will receive a check next week. Nowhere on my account can I see that auto debit is set up, but the woman on the phone assured me it was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. 
XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.

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 2017-07-11
Company: United Consumers Inc
State: VA
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:
United Consumers, INC is a thir d party that opened on my credit on   XX/XX/XXXX , for {$460.00} I never entered into a contract for services with, they have put themselves on my credit report dropping my score, I have disputed them in  XX/XX/XXXX  in  hopes of seeing proof of any contract they hold with me entering into services for payment and they have yet to provide it. They are still on my report and it has been under dispute for 3 months with no changes. I have never entered into a contractual agreement with this company, and they will not be able to provide any agreement between them and I, so its unfair to stay on my credit report after a 3 month investigation.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX 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 XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: The Best Service Co.,Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

These statements do not meet the burden of validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was on vacation in XXXX and had received a XXXX XXXX XXXX XXXX XXXX result before I was about to head home. I had to cancel the flight on XX/XX/XXXX and try to rebook the flight due to being XXXX XXXX. When trying to rebook the flight in the early morning of XX/XX/XXXX I made several phone calls to Amex Travel. It took 3-4 calls after being on the phone and hold for an hour every time before eventually being disconnected and never received a call back. Especially after the first thing they ask you, is what is a good call back number if we get disconnected. Eventually when trying to search for a return ticket home, they said Ill get credit for the return flight home and theyll waive their change fees, but went on to say XXXX XXXX is still going to charge you a {$300.00} ticket change fee. And the cheapest ticket they could find for me on XX/XX/XXXX was {$800.00} bringing the total to {$1100.00}. I tried telling them XXXX XXXX is waiving any ticket change fees due to XXXX  if you book before XX/XX/XXXX. Amex team members told me, thats not true. And I still have to pay {$300.00} change fee. I told them to look on the website where it clearly states there is a complimentary change due to XXXX. I also called airline directly to confirm and the agent confirmed I should not be charged a ticket change fee. And secondly the cheapest ticket I found was about {$470.00} to return home, not {$800.00}. So they were trying to charge me {$1100.00} instead of {$470.00} which the airline credit should mostly of covered. Unfortunately since I booked through Amex Travel, XXXX XXXX advised I will have to deal with Amex Travel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank Of America and XXXX XXXX  is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information

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 2016-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above XXXX based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the XXXX other cards that increased my limit by XXXX-XXXX within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I consult a financial adviser. This disingenuous answer was not the operator 's fault, there was a meaningful pause while she asked a supervisor. *1. ) This answer is insultingly nonsensical. How would any 3rd party have specific insight into Capital One 's secret internal procedures they are unwilling to disclose to customers. *2. ) I have used and paid the balance every month for years. It 's inappropriate to demand higher usage because low balances/usage are a key part of every credit rating algorithm. I do n't see how a minor increase in credit limit should be contingent on a customer damaging their own credit rating. * 3. ) This denial, and what it represents, illustrates that Capital One has systematically violated the basic premise of credit ratings. They start low, and increase as consumers build a documented record of constructive behavior. There are only two ways to increase one 's credit score without applying for more credit. One, wait as the average age of revolving accounts and general credit history increases. This is a very slow process when the optimal length is 25+ years. Two credit limit increases every 6-12 months based on proper usage. Again, this is the only meaningful path for responsible users to systematically increase their credit score. By actively sabotaging this vital industry standard practice Capital One has expressed their intention to dishonestly prevent upward mobility and keep their own customers trapped in the indentured servitude that is undeservedly poor credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Frost bank accounts have been hijacked by one of their representatives XXXX XXXX XXXX who instead of calling or emailing me has frozen my accounts and called my ex-girlfriend. I have no access to financials well over {$500.00} and have not authorized any action on the part of Ms. XXXX or Frost Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NC
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 mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a cash app card was forwarded to my new address from my old address. The Cash App card has my name and old address on the letter. I did not create this account. I attempted to log into the account and was asked through the app if I was in possession of an email address that is not mine. I contacted Cash App that same day to advise and whom I suspected started the account. Cash app advised the account will be investigated. In the meantime, on XX/XX/XXXX, my relative attempted to send {$60.00} to me and mistakenly sent it to the fraudulent account. Cash app was notified and advised to request a refund of the amount. My relative requested a refund and did not receive a response. On XX/XX/XXXX I received a response from cash app that the account had been closed. 1 ) I would like a refund from cash app be sent my relative 2 ) I would like to know how can someone create an account with my personal in formation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: TRUSTMARK CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX Bank charged me {$10.00} plus interest at 19 % for an overdraft of {$0.00}. 
I have been with this bank from the 1950 's when it was XXXX XXXX XXXX For most of that time I have had an overdraft LOC. I have not used it in years. When I last used it, I was much poorer than I am now and was NEVER charged a fee for using it. 
Now they have instituted the fee without any notification that I can recall. 
It is not a lot of money but I think this fee is uncalled for. I have requested a refund and so far have been denied. I have told them that I will be closing this account if the fee is not cancelled and refunded. 
I guess these days one can not contest the 19 % but it does seem to be very high. People of limited means can be seriously affected by this fee and the interest rate. 
Whatever happened to service?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
* called Capital one on XX/XX/2022 I extended my consumer credit to Capital one and they violated me and broke the law when they recently RESTRICT both of my capital one accounts without my permission and / or consent. 
Restrict- limit something, especially an activity, to ( a particular place, time, or category of people ). 
Let it be known I am the original creditor When I called capital one and spoke with XXXX manager of the fraud and dispute department at Capital One, she told me both of my accounts were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my account was closed. 
Closed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To restrict and to close are two different actions. You cant do two actions it is either one or the other. These action can not not be acted on without the original creditor consent. 
She ( XXXX XXXX stated you violated the bank terms and conditions she could not tell me exactly what the violations was she said it was the banks decision. How can a bank which is an elaborate mechanism with no real standing or authority make a decision based off my extended consumer credit. Once my credit was ran by Capital one, they gain access to the trust and became the appointed trustee. I am the beneficiary and this action from capital one do not benefit me. When the trustee actions dont benefit the beneficiary its FRAUD. 
So where is the Proof? If I violated their agreement wouldnt it make sense to show me where in the agreement? 
Instead I got a I dont have access as to why your account was close and I dont have any other person you can talk to Im the higher -XXXX  response. 
Capital One which is a Fictitious entity can not make decisions based on my extended credit its prohibited by federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In  XXXX  o f 2014 I  was seen at  XXXX   XXXX   XXXX  while I was  XXXX  and had  XXXX . I later in   XX/XX/XXXX   of that same year   XXXX   XXXX   there. The   XXXX   was billed to my insurance but the other debt from   XX/XX/XXXX  wa s not. My account was later sent to collections without any form of a bill or any attempt to get detailed billing information to me at any time. Not only was I never notified of a bill but  XXXX  was not billed. I never received any EOB from them explaining that a bill was denied, which is something they always send providing an explanation. Also, when I called the debt collector, they could not tell me when they attempted to collect a payment from  XXXX . Also, I never gave permission for  XXXX   XXXX   XXXX  to send any of my private information to an outside source other than the hospital themselves.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MI
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:
accordance with the fair credit reporting act convergence XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

Company response to consumer: Closed with explanation