BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account at Bank of America. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a " cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the money back.

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 2016-03-08
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company with the phone number XXXX calls both my cell phone and work phone repeatedly. They do not leave a message, merely stay on the phone long enough for a voice mail to register.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, Experian, XXXX  They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2015-03-26
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. 
{$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. 


Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX  veteran and have three types of medical coverage. ( Phoenix Financial Services ) claims that i owe XXXX XXXX XXXX XXXX bills which is not true! That collection agency sent me notice of bills owed so i asked to provide the exact copies of procedures and dates for the bills owed including statement and procedure dates. This will allow me to verify if this is a true billing error or if it is a false representation of a debt that is not owed. 
Phoenix Financial Services was unable to produce any details or provide any bills to validate. 
As result of that, I proceeded to send them a cease and desist notice on XX/XX/XXXX. Return receipt was requested and signed for by Phoenix financial Services ; they stopped contacting me until today via mail again ( XX/XX/XXXX ). 
I am 100 % covered by VA medical, XXXX XXXX XXXX and XXXX and have explained this to that collection agency several times yet they continue to send me harassing bills and impact my credit score. 
please assist in resolving this issue with them as these are malicious, deceptive debt practice of a debt that is not even owed by me, nor can they produce a record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I purchased a new condo in XXXX XXXX CA from XXXX XXXX. The financing company at the time was XXXX XXXX. From what we can tell, in XXXX, XXXX sold the loan to XXXX XXXX 

We are now trying to sell the condo and our title company discovered a lien on the property from the XXXX XXXX XXXX company. As the loan was bought and serviced by XXXXXXXX XXXX, XXXX XXXX should have removed the lien. 

Unfortunately, XXXX XXXX is no longer in business and XXXX XXXX will have to research the loan and they are not sure they have records that far back. 

I need to get this lien removed from the property and have no one to contact to get it taken care of as records are not in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.

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 2021-03-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today I have contacted y'all to open a fraud case, and y'all did, and my dispute number is XXXX, and I need y'all to enable my online bank account, so I can log in back into it every time I do. It says this Online access is currently unavailable. 
To access your accounts online, please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX About Us Careers Privacy, Security every time I call, y'all agents transfer me to different departments and tell me a different story. I need y'all to enable my online bank account to log in again and credit back my payment. My account number is XXXX, and my username is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Aargon Agency, Inc.
State: NV
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:
Per FTC sec.609 credit agencies are not validating my credit account they are simply verifying my 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 2021-03-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/2021 BETWEEN XXXX TWO PHONE NUMBERS CALLED MY HOME TO REPORT A PURCHASE WAS TRYING TO BE MADE ON MY XXXX XXXX CREDIT CARD OF ROUGHLY {$300.00}. THEY WERE ACTING LIKE THEY WERE AN AMAZON REPRESENTATIVE. THEY DIRECTED ME TO A WEBSITE TO GO ON ; XXXX. I DID NOT GET ON THE WEBSITE BECAUSE IT TOLD ME TO DOWNLOAD SOMETHING AND IT WOULD NOT WORK. 

THE FIRST PHONE NUMBER WAS XXXX XXXX XXXX, WHICH I ANSWERED BUT THEN HUNG UP. THE SECOND PHONE NUMBER WAS FROM XXXX, RI XXXX WHICH SAID TO PRESS 1 TO SPEAK TO SOMEONE AND THIS IS WHEN THEY DIRECTED ME TO THE ABOVE WEBSITE.

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 2022-04-11
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CashApp has been charging my account with various unauthorized subscriptions for about XXXX or 8 months. When I tried to get in touch with these merchants, contact info given was bogus! The first step in getting a refund, according to CashApp, is to alert the merchant of your dissatisfaction, and seek a mutually beneficial resolution ; however, in the money game, you do not have a proper process of dispute, once your money is in a money servicers hands you may as well let it go as lost, right? XXXX no ; I toiled in the hot and every conceivable type of weather and I see no reason to give to scammers! I offer you access to my account to examine it andrealize that these are scam subscriptions and are probably shell companies! I have been impacted negatively by their actions and have determined that I am due compensation for actual costs to my credit and/or finances!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Account XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an 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 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
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 have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XX/XX/2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, XXXX, and Transunion, each of these accounts year to date credit reporting ends in XX/XX/2017. There appears to be no credit reporting since XX/XX/2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.

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 2020-03-24
Company: ID Analytics, Inc.
State: NY
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:
SageStream , LLC told XXXX XXXX that the key factors for my credit score of XXXX which I know is in the 800s was the number of utility inquiries ( not true ) also not enough bankcard dept experience ( not true ), lack of history at this address ( I have lived at this address for over 30 years and own my home ) Also discrepancies in historical identity information? ( what is that? ). Then they went on to say the inquiries did adversely affect the score. 
I'll tell you what I think is going on with this low score, by giving XXXX XXXX a low score for me I would have to pay XXXX more money for credit. This is very dangerous for big companies to behave this way when you pay your bills and do the right thing and go with out because you pay your bills on time. 
Also I contacted XXXX and the other two big credit reporters and SageStream never contacted any of them for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good afternoon, The credit bureaus have been violating my rights by reporting erroneous negative accounts on my credit. I have been reading that the bureaus have to give me an update 30-45 days after receiving my letters in their offices, but this has not been fulfilled.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am trying to purchase a home and in order for me to move on with that process I called XXXX XXXX and I called Transunion. XXXX told me they can't remove the late payments, not even one. When I talked to transunion they told me they can remove just one and I was fine with that. I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was XXXX  and I am also a single parent. I'm not trying to be difficult at all or cause confusion. When I checked my credit report days later my late payment from XX/XX/XXXX was moved up XX/XX/XXXX. Im not understanding. The guy from transunion told me he would remove it and he did not.

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 2016-07-25
Company: First Credit Services Inc.
State: NC
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 was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Credit Karma, LLC
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. 
I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. 
NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation