BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Aldous & Associates, PLLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on  XX/XX/2018, also certified. within these letters I informed the company they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SMS Financial, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally agreed personally to repay a business obligation to XXXX XXXX XXXX XXXX  ( now XXXX ). XXXX sold the obligation to another entity SMS FINANCIAL XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.It appears that XXXX XXXX does not exist as Phone calls asking for him are transferred to a XXXX XXXX XXXX XXXX Initial contact by XXXX XXXX indicated errors in accounting in accordance with the original obligation in that the original contained no interest and several payments to SMS were credited to interest and not principal in opposition to the original agreement. I contacted XXXX XXXX by Certified mail Return Receipt and detailed the errors. I also requested a corrected statement of account.This contact occurred in late XXXX of XXXX. As of today I have not received a response and am preparing to make another scheduled Principal payment. What is the recommended wayto handle this situation? Thank you for your assistance and advice. 
XXXX XXXX XXXX I am trying to figure out how to attach copies of documents with no luck. willl keep trying

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a repossession from XXXX XXXX on all 3 credit bureaus. Ive written to the companies and advised that i was involved in the class action lawsuit they had against them for predatory lending. XXXX had agreed to remove any and all derogatory accounts pertaining to the lawsuit. Ive disputed woth all three credit bureaus and the derogatory acct. is still showing 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 2023-10-13
Company: PayActiv, Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I loaded {$500.00} to Payactiv and after trying to use the card. They locked the card and refused to work with me to get this corrected. It's been months and my father needs help with his expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been receiving these statements as of last year ( XX/XX/2018 ) & its stated that I owe {$780.00} to the University XXXX XXXX  medical office. Unfortunately Im not so sure that these would belong to me after my Social Security number was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
During the week of XX/XX/XXXX, my husband asked me to fill out a credit card application for him for an American Express Platinum business card. The app was done on line, using his name and business. However, when I received the card it was made out to me instead. This was not a preapproved form. This was from their website.

I have been trying for 2 days to fix this.

I was transferred to 10 different people.

I was told I used the wrong phone number to reach them and then they gave me the same phone number I had dialed.

I was told the name couldn't be changed for 6 months.

I had to explain the problem to each person and then I was told I had the wrong department I was asked my social security number and my husbands several times and then they would transfer me.

The last 3 people I talked to I told them I was fed up and just wanted to cancel the card, and they would just keep transferring me. I finally hung up because he was going to transfer me again.

The card had an offer of XXXX miles but that ended on XX/XX/XXXX.

And I still have to figure out how to cancel the card so I am not billed their fee., I have never had such horrible customer service except maybe from XXXX XXXX .

In completing this form it asks if someone else is involved and are they an additional card holder or is it a joint account. It is neither, it was to be a credit card in his name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past one to two years, I have disputed and attempted to validate and verify the alleged debts ( account numbers XXXX, XXXX, XXXX ) that Resurgent/LVNV has listed on my XXXX, XXXX, and XXXX credit reports. I have sent multiple requests and Resurgent/LVNV has never sent any items that validate or verify the alleged debts. They have not produced a contract containing my signature. They have not produced any proof that I have made a payment in any dollar amount towards any of these alleged debts. They have not produced any proof that I made any payment arrangements ( verbal or written ) with Resurgent/LVNV. They have not sent a letter from the original creditor expressing written ownership rights of Resurgent/LVNV and my identity. The accounts in question remain on my credit reports despite them never having been verified by the credit bureaus and Resurgent LVNV never producing documents showing that these alleged debts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ocassionally I want to remove a security freeze on my equifax account but everytime I have tried to log into my equifax account I am not able to. I can not reset my password, no message ever reaches my inbox, and therefore I have to call. I have called 3 times this year already, and twice today, spending more than one hour. When I could not answer a question about a car loan I paid off years ago, I was told that my identity could not be verified and that so sorry, no one can help me. 
Security breaches happen all the time, meaning security is not that good, yet I am kept from accessing my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection account created XX/XX/XXXX for {$150.00} cleaning fee associated with a previous rental. 
Account paid in full on XX/XX/XXXX. 
I have been on a land contract and thus unaware of this account status. 
Collection account still shows as open and unpaid as of XX/XX/XXXX. 
I am back in the market to rent and have paid three {$35.00} fees and one {$40.00} application fee. All which otherwise were accepted ( verbally confirmed by property managers ) but the Collection account appearing as open caused me to lose money and prospective rental agreements. 
I have contacted the Collection agency and was met with nothing more than an apology and request to update the credit bureau, but this does not help. This has caused unnecessary issues as I am having trouble relocating for something that was handled years ago.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last month. They removed the accounts, however the collection agency then changed names and re reported them.

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 2019-12-18
Company: JPMORGAN CHASE & CO.
State: OH
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 balance transfer

Complaint:
I opened a XXXX XXXX credit card to help give me more time to pay off my Chase card. I initiated several balance transfers that went through, the third one resulted in a new balance on my XXXX XXXX card, but that same balance never came off of my Chase card. It has now been nearly two months and Chase claims to have never received the payment, while XXXX XXXX claims the check they sent was cashed a week later. This has resulted in me being unable to use my Chase card and now unable to even make the minimum payment. I essentially have been screwed into having the same balance on XXXX cards. While XXXX XXXX agreed to file a claim disputing the charge, in the meantime this has been hugely detrimental to my financial wellbeing and I will likely be unable to pay in time to prevent the Chase card being closed. This is a massive disaster that would not have occurred had either side stepped up in time to resolve this issue. They both shifted blame elsewhere and left me in the lurch even though it was not my fault, I followed the same procedure as before and they confirmed that the info I provided was 100 percent accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed an inquiry on my credit report that i did not recognized with Equifax. the creditor was XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax stated that they were not able to remove such information because the information was accurate. can you please assist with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am a wellsfargo customer since XXXX, as employee of XXXX XXXX and XXXX i recieved my wages into my wellsfargo account. 
These are the account numbers i had XXXX This is the first account in which i recieved pay cheques. XXXX. 
As XXXX  employee i was transferred to XXXX and forced to start a XXXX relation. I wrote a wellsfargo cheque. This resulted in me being harassed to leave XXXX XX/XX/XXXX and i never had income past it. My total savings as cash was below XXXX dollars. In XXXX i paid XXXX  my wife XXXX help from my XXXX account. In XXXX a taffic police XXXX attacked me in front of XXXX town hall and made me leave retired life in XXXX to waste about XXXX dollars in XXXX california where i wasted time being customer of XXXX XXXXXXXX XXXX suspects to this situation. I recieved a us social security statement in mail that if i become XXXX i would get XXXX dollars a month. I rented in XXXX, bought furniture sold, car and sold .. After i filed dispute with XXXX in XXXX XXXX XXXX XXXX XXXX harassed me at airport and forced me to sign XXXX. I did not accept it but i did not get ombudsman settlement in wellsfargo and i was deported in XXXX. I never closed wellsfargo relation. This is some cheque i should have recieved when i entered XXXX in XXXX. Instead they have murdered a cousin i suspect and used that as reason to force me to sign XXXX and i do not have now wellsfargo usa or XXXX XXXX relation exploited by XXXX and XXXX. I opened XXXX XXXX using my mothers house sale and maintained XXXX. I registered XXXX XX/XX/XXXX as XXXX  i paid XXXX XXXX  training using wellsfargo and XXXX XXXX XXXX credit card. I demand restoration of my wellsfargo account and i want the IP of my three books one of which is XXXX XXXX XXXXXXXX given to me. I want help to find XXXX  my wife as it is being used not to give me money. I closed XXXX  XXXX XXXX IRS has taken XXXX or so dollars unncessarily from my account in 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 2022-10-25
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday, XX/XX/XXXX, I checked my bank app and discovered this disturbing fact. My savings account was invisible, vanished from my online banking statements. My savings account is joint with my husband. 

On Thursday, XX/XX/XXXX, my husband and I went to Huntington Bank. We spoke with a bank teller, who made a phone call to gain more information. We were told that the savings account was closed and they did not know the reason. We were informed that Huntington would send a letter of explanation and a check for the balance in the account. The expected time of delivery was said to be 3 - 14 days. 

I questioned the teller because I believe these are poor business practices. Why didn't the bank call us into the branch to close the account and give me my money? Why is my checking account active? Now that I am unable to transfer funds from my savings to my checking account, I am unable to fund my checking account for ACH auto bill pay transactions. This will cause late fees and overdraft fees that Huntington will need to take financial responsibility for these unnecessary expenses. 

In all honesty, and with kindness, I told the teller I would not work for a company who treats their customers this way. This is like someone robbing you, except its my own bank! I hope she finds a new job with a trustworthy employer. 

Today, we made another visit to Huntington. This time I was told again that no one can explain why the savings account was closed, and Huntington will send a check with a letter of explanation in 30 - 45 days. That is outrageous! I asked would you be this calm if someone told you that your bank account was emptied to a XXXX balance, and they will send you a check in a month or more! With no explanation, the tellers were also confused and unable to help, even after another phone call to headquarters. No one can explain why the account is closed, why my husband and I weren't asked to come into the bank to close and receive the money that belongs to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day, I'm having problem with my paypal account saying : You can no longer do business with Paypal. 

This was happened XX/XX/2023 the amount was on hold on my account is XXXX USD. 

While i'm busy on my business i received the email from the company that i'm no longer do business and any services from them. I'm using this paypal to accept the payments from my customers. 

My business was stop since this is happened. 

Please help me resolve this problem.

Company response to consumer: Closed with explanation