BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 ( as documented in my letter dated XX/XX/19 to BOA ) and again on XX/XX/2019, representatives from FIA/BOA collections contacted me attempting to collect a debt that not only was resolved on XX/XX/2019 but should not have gone to collections and should have ever been considered a debt against me, in the first place. On both dates, I explained to the representatives that the matter was resolved on XX/XX/2019 and that no one should be contacting me from collections regarding collection on any debt. I explained to both representatives whose phone numbers reflected on the caller ID on my phone as calling from FIA, that the monies that are the subject of my complaints against BOA was to be recalled from my XXXX account. I also advised both representatives that they must follow-up on the issue internally, and I should be continuously harassed about and by collections. 

For background facts and information prior to this point in time, please refer to attachments due to the length of the problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to XXXX, XXXX and Equifax. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: BB&T CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX  and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: UT
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 is reporting a debt I do not owe for XXXX XXXX. XXXX XXXX was included in my Bankruptcy # XXXX. I have contact XXXX XXXX many times to have them fix this issue. This is in clear violation of the Bankruptcy Law Act,  and this account needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Capital One Financial, XXXX, {$6600.00} 2. XXXX XXXX XXXX, XXXX, XXXX According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Alliance One, Inc.
State: CA
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:
alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. 
At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. 
I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: SYNCHRONY FINANCIAL
State: TX
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:
This complaint is against Synchrony Bank. I have mailed several correspondences to Synchrony bank over the past 18 months in regard to an account appearing on my credit profile as potentially negative. 

Synchrony Bank continues to report this unvalidated, inaccurate and incomplete account to my XXXX Credit profile. Synchrony Bank continues to request information from me in regard to this account. I do not have additional information other than what is being reported to my credit profile. Synchrony Bank also continues to ask me for my personal information including social security number, birthdate, spouse information, etc. I am not required to provide such information to request that this account be disputed and/or deleted from my credit profile. I have sent Synchrony Bank the full account number in which they should be able to locate this account and either update or delete the account from my credit profile. 

I am attaching the last four correspondences I sent to Synchrony Bank, in the correspondences I requested specific account information and documents, I also requested that Synchrony Bank delete this account from my credit profile if they were unable to complete a thorough investigation and provide the requested documentation. Every correspondence was forthright as Synchrony has ignored my requests and violated my rights. I have also attached a copy of my most recent credit report showing where the account is reporting as negative and also that the account lacks any and all account information. It also shows where I have also disputed the account with the credit bureaus and Synchrony Bank verifies the information. This account does not have any account information or history to verify. 

Synchrony Bank is in violation of the FCRA 15 U.S.C. 1681i ( c ) by failing to report an account as disputed on my credit reports after receiving my requests for debt validation.

Synchrony Bank is also in violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) for failing to accurately report information on my credit 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 2021-12-14
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX & XXXX fraudulent checks where deposited in my personal account after seeking a personal loan through credit karma. The company is XXXX XXXX XXXX. I was told the deposits were to verify that the account was actually mines. I was told after the deposits were made take the money and send it back and the process would be complete. After this my account was put in the negatives ( - {$650.00} ). I XXXX the company and apparently it is a actual company. They have people impersonating they are with this company but actually are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09
Company: GreenSky, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have attempted to dispute a transaction because the transaction was submitted without my signature or authorization. However, I am getting the run-a-round.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I want to know what is Experians policy on not responding to a complaint within the 30 days period given by FCRA, according to FCRA all disputed items has to be removed if not responded to within 30 days. I have provided dated certified mail receipts, copies of dispute letters, but yet the accounts in question still remains. My first letter was sent on XX/XX/XXXX and it was received by Experian on XX/XX/XXXX to which I did not receive a response so I sent another certified letter on XX/XX/XXXX which was received by Experian on XX/XX/XXXX. Copies of the Certified mail receipts and letters are included in this complaint.

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 2015-04-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was sent an electronic check by XXXX XXXX for a new job by XXXX XXXX. The check was for {$650.00}, once that amount was deposited into my account. I was then told to send {$600.00} one of the companys vendors for equipment to XXXX va XXXX. On XX/XX/XXXX, Chase rejected the check withdrawing {$650.00} plus return fee and an overdraft fee from my account. Despite me calling multiple times asking for help since it was a scam and I was a victim Chase said there is nothing they can do but expect me to pay the amount owed. I filed a police report as well but nothing will be done by chase to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied for TD Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Torres Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week I received an alert that I had some new collection activity from XXXX XXXX. There is an account from XXXX in the amount of XXXX. I do not know nor have opened an account with this company. I would really like some type of proof provided to me such as a signed contract that I opened this account. If that can not be provided to me please cease activity and remove from my credit asap. I was not notified of any sort of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. 
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. 

Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as misleading information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  - Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-05-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today we received a call from a debt collector called IQ Data International. They were calling regarding a supposed debt for an apartment that we rented. The " debt collector '' refused to provide documentation of the debt by mail as requested. They stated that it was already mailed ( never received ) however could not provide a date it was sent on or what the documentation said. When I asked why it could not be sent by mail the person on the phone said " because your the one in collections not me I don't have to do anything that you ask ''. These things to me are unfair and illegal debt collection practices as a company can not refuse to provide documentation regarding a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: ND
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:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, }.

Company response to consumer: Closed with explanation