BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXX of XXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from Jefferson Capital Systems of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
XXXX XXXX XXXX XXXX. sent me a pretrial form Over a Jefferson Capital Systems again debt of XXXX XXXX. 
XXXX XXXX XXXX XXXX. firm sent XXXX XXXX XXXX XXXX from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
XXXX XXXX XXXX, XXXX XXXXXXXX. collections for Jefferson Capital Systems closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to Jefferson Capital Systems. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because XXXX XXXX XXXX says I owe this debt. 
I produced a collection form from XXXX XXXX  for Jefferson Cap.Systems from XXXX my credit reports whoing the account closed written off in XXXX Jefferson Capital Systems removed themselves from creit reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXX # XXXX XXXX XXXX XXXX XXXX after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXX should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX XXXXXXXX XXXX Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2021 I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a 9 year old account that they purchased from Synchrony, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. 

We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT.

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 2023-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY refuses to close out the account though it's been confirmed with XXXX that the account is too old to collect on. Because of that, XXXX has since confirmed that informed and moved forward. However, XXXX refuses to confirm it with the other two credit bureaus and will not respond to me on how to best move forward. I've also sent them a validation of debt fax twice, neither of which they have responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used PayPal Goods & Services, which charges a 3 % protection fee, to purchase a ticket from a vendor. This vendor did not send me the product. When I reached out to PayPal, they closed the dispute and did not work with my bank to reimburse me. 

This was a {$1000.00} transfer made on XX/XX/2023. PayPal closed the case saying that the transaction was refunded, however, it was not. 

The 3 % protection fee used in PayPal Goods & Services was designed to protect buyers and sellers from fraud, and PayPal is not honoring the paid service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: General Motors Financial Company, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this.

Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report.

I have filed a dispute with GM financial they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I ended up with a loan care mortgage end of XXXX  which was being serviced by Lakeview Loan Service. For my first payment with Lakeview, I setup my account online and also called them to pay my mortgage. Both transactions were successful and I had funds in my account. For some reason the transactions were both reversed. They reported me as late which took my credit rating down XXXX. I would like that fixed asap.

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted to a hard inquiry on my XXXX credit report by Bank of America. I called BOA to find out an account ( XXXX XXXX XXXXXXXX XXXX ) was opened under my name, under an address I've never lived at ( XXXX XXXX XXXX, XXXX, FL 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 2023-08-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
{$340.00} was stolen from my card that was stolen! I called immediately when I noticed the fraudulent charge. Wells Fargo sent me a new card. In the meantime, the provisional credit of {$340.00} that they provided is being deducted from my account! I have been with Wells Fargo since 2013 and this is ridiculous I can see if it was a large ridiculous amount. Me or somebody I know did not make this charge!

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 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2023 i made claim with Bank of America about my debit card fraud, they gave me a new debit card and told me they would investigate the matter. After they claimed they investigated, they denied me by stating that after researching they saw that i was the one who made the purchase, so i wrote them an affidavit asking them to rebut all which i have stated in it with wet blue ink signature and signed by a notary, and attest to what they accused me of, which they did not. They did not get me any details on how they went about conducting the investigation. By law they must comply with my demands. I will be taking them to arbitration.

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 monetary relief
Consumer complaint received 2023-08-18
Company: Constar Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received four calls from the same number XXXX on the same day, XX/XX/2023, at XXXX, XXXX, XXXX, and XXXX. I confirmed the company calling me is XXXX XXXX XXXX. They had the wrong number, I am not the person they are hoping to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Possible Financial Inc
State: OH
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:
FRAUD SEE ATTACHED FILES They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave POSSSIBLE FINANCE NOR XXXX written permission to furnish this account on my consumer reports. 

I have attached my XXXX  and my bank statement along with my ID so do not send me a STALLING LETTER!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: TX
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:
Inaccurate information is being reported on the report by XXXX and my information was shared with a third party more than 4 times with out my consent or authorization it is a violation of privacy and it violates my right to fair credit report XXXX XXXX XXXX XXXX that I know nothing about inquiries that I don't know anything about i didn't give permission for anything to be shared with any other companies at all they never asked me my consent collections I know nothing about I really would like to be compensated for it and for it to be corrected if possible thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have XXXX inquires, I have filled XXXX police reports as identiy theft and Equifax still refuses to remove the said inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry. I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.

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 2023-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a new business checking account at Wells Fargo ( where I have been a member for XXXX years ). On XX/XX/XXXX, I then transferred {$34000.00} to that new account, from my XXXX business account ( which is the reason I opened the new account ). 

I have the confirmation from XXXX XXXX XXXX ) that the transfer was from XXXX from Wells Fargo XXXX However, on XX/XX/XXXX XXXX received multiple emails and notifications that Wells Fargo flagged me for fraud because the check XXXX sent had the recipient addressed to " XXXX '' from " XXXX. '' I was informed that they had frozen my personal accounts at Wells Fargo ( where I have ~ $ XXXX unrelated to this transfer ) and that they are closing all my personal accounts. In addition, they are holding the funds sent by XXXX and will not start the transfer back for XXXX days at which time the transfer could take up to XXXX weeks. 

I was told to go to the bank and show them my transaction in the XXXX app and that I could also pull cash from if I was in person. I spent XXXX hours at Wells Fargo branch with customer service trying to help and as I showed them everything they said they needed. 

Wells Fargo won't release any of my funds without a statement from XXXX, however, I can not get a statement until XX/XX/XXXX ( they say they're holding my funds until XX/XX/XXXX ). When I asked what happens after they close my account, they told me it would take up to a month to get my money that is in my account. 

Wells Fargo XXXX department is unable to show me or the customer service proof that the transaction listed the recipient as " XXXX. '' XXXX XXXX XXXX their XXXX they see the transaction went to Wells Fargo. 

Today ( XX/XX/XXXX ), I received a notice from another bank of mine ( Wealthfront ) that Wells Fargo is reversing a deposit I made to them on XX/XX/XXXX. 

All in all, Wells Fargo is now holding {$75000.00} of my personal funds and telling me I won't be able to access them until XXXX. This is ALL of my cash, which means I have no access to my own money for more than a month ( most likely XXXX ). 

The Customer Service person at the branch is filing an internal complaint, but I am at a loss for what else to do. How is a company able to freeze my funds for XXXX days with XXXX notice, even when I've provided proof that I did make the transaction? I'm unable to access even {$100.00} to pay for food.

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 2023-08-14
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I Bought a Vanilla Visa ( XXXX XXXX XXXX  ) Gift card for XXXX $ from XXXX. Upon opening the card i found that it was missing last 4 digits. I also could not activate it or use it in store. 

I first went back to XXXX but they said all sales of gift cards are final. 

I then reached out to Vanilla Visa and raised a complaint. 

They asked me to send all the info - receipt, card photos to XXXX. 

I did that. 

They gave me a complaint number - XXXX However, after that it has been radio silence. Everytime i call, i am put on a long hold and they keep saying it will take 30 days for a resolution. 

Now i am out XXXX $ and wait for XXXX $ to be back until they determine the issue that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'VE CALLED SERVAL TIME AND ONLY THE AUTOMATED COMES ON AND I GIVE ALL MY INFO AND IT SAYING THAT IT DOSNT RECOGNIZES ME... I WANT PAY IT OFF BECAUSE ITS A TRIBAL LOAN AND THE INTEREST IS CRAZY AND IT WAS A MISTAKE EVERY SAY THEY ADD MONEY TO MY LOAN AND I CANT GET HOLD OF THEM.. I NEED TO GET OUT OF THIS LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Computer Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
l XXXX XXXX received a debt collection notice from Computer Credit Inc, stating they are a debt collector agency and is trying to collect a debt that I, the consumer owe to XXXX XXXX XXXX XXXX. I have no knowledge of such debt. Computer Credit Inc, has clearly violated several of my federally protected consumer rights by mailing out this deceptive letter. This company has violated my right to privacy pursuant to 15 USC 1692 ( a ). I received notice that I owed an alleged debt proven in Exhibit ( A ) which is a violation of 15 USC 1692b ( 2 ). I demand for this company to CEASE AND DESIST. According to 15USC 1692a ( 2 ) the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other, medium. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. I am invoking specified remedy and DEMAND the following. 1. ZERO OUT THE BALANCE OF THIS ACCOUNT 2.PROVIDE MY NAME, A CONSUMER AND NATURAL PERSON, WITH DOCUMENTATION SHOWING THE ACCOUNT WAS ZEROED OUT VIA MAIL, 3. CEASE AND DESIST REPORTING OF THE DEBT COLLECTION ACTIVITY TO ALL CONSUMER REPORTING AGENCIES BEFORE AND AFTER THIS DATE OF XX/XX/2023 and 4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Misrepresentation has been committed on the consumer credit file of ( XXXX XXXX ) which violates the Fair Debt Collection Practices Act. MIDLAND CREDIT MANAGEMENT is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed, and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.

Company response to consumer: Closed with non-monetary relief