BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this was a bill that went to collection that should have never been a bill in the first place, I had paid my phone completely off 2 months prior as well they told me they were resetting all the plans so I had to resign up for a whole new plan and as well decided to try telling me I had to re pay for the entire phone when it was paid off so I decided to cancel my plan and its been effecting my credit ever since. I want to resolve this issue do to wanting to fix my credit and this is starting to affect my credit score in a very negative way to the point that I would like if something can be done do to not having accurate detail of amount owed as well havnt heard from them at all in regards to the matter and would like to have some sort of info needed in order to get accurate info to exactly why its so high and see what I can do to get it appropriately taken care of and taken off of my scredit score as soon as possible.

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 2023-02-09
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX XXXX, I noticed my Citibank checking account had {$3100.00} of unauthorized transfer. I immediately contacted the bank and asked for a hold to be placed on my account. The person said it had been done but on Monday XXXX XXXX I was informed by my local branch that the account was not in hold status and another {$550.00} had been withdrawn. I again asked for the account to be put on hold, but the banker was not able to do that and I was forced to call the main bank again. The woman at Citibank I spoke with assured me that a hold was placed on my account ( after grilling me about why I wanted a hold placed and if I WAS SURE that I wanted to block it and that I knew that only I would be able to unblock it ). Then today, XXXX XXXX, ANOTHER unauthorized transaction for {$1200.00} was taken from my account and it turns out my account was never put on hold. The incompetence of this bank has allowed my account to be nearly drained, and though they have eventually given the money back, the stress caused by this incompetence is unacceptable.

Also, the bank pressuring me to open a new account is ridiculous. Why would trust that they could manage that one any better than this one?

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 2020-12-30
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX XXXX Unauthorized transaction times and date Police report filed with XXXX police department PayPal prepaid card Customer service Im Writing in regards to being credited my XXXX. I was home in XXXX ca when I started receiving text messages at XXXX XXXX $ XXXX XXXX $ alerting that money was being withdrawn from my prepaid PayPal account XXXX at an XXXX atm located in XXXX XXXX Ca. I am a hard working front line worker for the county of XXXX XXXX. XXXX XXXX XXXX XXXX. I worked hard for the holidays I just had my money deposited into my account the night before. I have taken the extra mile and filed a police report with my jurisdiction department please can you have my funds credit back to my account so I can pay my bills these times are really hard for my family PayPal customer service is not helping one but Im receiving rude attitude theyre hanging up leaving me on hold just all around terrible assistance Ive been a loyal PAYPAL PREPAID CARD HOLDER FOR OVER 5 years

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 2021-12-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Albert Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my account with Albert Bank in late XXXX ( around the XXXX ) after my friend, ( initials XXXX ), referred me to their app. There was a promotion where the referrer and the referee will receive {$500.00} if certain terms and conditions are met. I explicitly remember my friend 's name showing up when I opened my account, indicating that the referral had processed properly. 

Recently, I had completed all of the requirements needed to receive the {$500.00} bonus. However, when I reached out to customer service at Albert Bank, they said there was no referral tied to my account. It sounds as though they are trying not to pay out the referral bonuses that are rightly due to my friend and I. 

My friend has also reached out to their customer service indicating that he did indeed refer me but we have received no response or indication that they will make things right. I have heard that others have had this same problem with Albert Bank so I do hope that they remedy the situation for all involved parties. 

Thank you for your help and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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:
I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX Bank, 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.

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 2023-01-26
Company: AMERICAN HONDA FINANCE CORP
State: PA
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:
The American Honda Finance acct that appears on my credit files at XXXX and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by American Honda Finance in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from AMERICAN HONDA FINANCE. Income SHALL not be reported to my credit report. Due to XXXX and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from AMERICAN HONDA FINANCE including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law AMERICAN HONDA FINANCE has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX XXXX and american honda finace to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Open Dealer Exchange, LLC
State: MO
Product: Credit reporting 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:
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ALLY FINANCIAL INC.
State: MD
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:
I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries

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 2023-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery calls me approximately 3 times a day for a debt that was my daughter 's not mine. They also call my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX my sister was contacted by someone claiming to be from " XXXX XXXX XXXX '' from XXXX and was told to contact me regarding a judgement. 

On XXXX my XXXX XXXX XXXX was contacted by the same number with the same message. 

After looking at my voicemail I noticed at least 2 calls and voicemails from XXXX demanding a call back to XXXX on those same dates. 

I called the XXXX number and a man who did not identify himself picked up. He ashed me some basic info about who I was and put me on hold. 

He came back a few minutes later and said he had a hard copy of my judgement and told it was in regard to 2 accounts. Made several claims about fraud etc and said one account was an old XXXX XXXX  account that was closed in XXXX or XXXX and the other was a Wells Fargo line of credit closed in XXXX. 

I told him that I never had a line of credit with Wells Fargo. He initially insisted I did, but then said it was also a checking account. 

He said the total amount owed was XXXX plus dollars but with court costs etc it totaled to XXXX plus dollars. 

I said back to him that the XXXX account was from XXXX, it's XXXX and so it couldn't be collected on. And that I didn't owe anything to Wells Fargo for the checking account. He treid to insist that it was able to be collected on, even with the statute of limitations and that I already had made a payment on the Wells account in XXXX. 

I told him no, that it was absolutely incorrect and then he said well since you know everything, get off XXXX  XXXX phone and wait for instructions and hung up. 

I did a reverse # search on the XXXX number and it came back to a mobile phone, and the XXXX number did not return any results. 

I do not have a name of the person that I spoke to, nor do I have a name of a company to refer to. The only name I have is in my voicemail.The name is XXXX XXXX. And a tracking XXXX. The voicemail also referenced reporting my info to 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 2021-09-07
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I began my search for a moving company to move me from XXXX  to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX  XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX  to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX  website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hey paypal limited my account even i provided all the documents required and after that they start charging me XXXX XXXX at every dispute or chargeback and i never heard of that before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXXXXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call on XX/XX/XXXX from someone claiming to be from the CBE Group attempting to collect a debt of {$140.00} owed by my wife to her doctor for a visit in XX/XX/XXXX. The caller sounded like an midwestern American female in her 20 's or 30 's. The caller accurately identified the name of my wife 's doctor and the date of her last appointment. I told the caller I wasn't willing to pay until looking into the matter further, and requested a callback number. The number provided was XXXX. I then called my wife 's doctor. The doctor 's office advised that their record 's don't show any debts owed or any report to a debt collector, meaning the call was a scam. I called the scammer back at the number above and was connected to computer voice menu claiming to be the CBE Group. The computer said it didn't recognize my phone number but that it could locate my file if I provided my social security number. I hung up without saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: D&A Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2022 I was left a message on my cellphone by DA Services XXXX XXXX XXXX regarding an alleged debt. I have never been notified of this debt ; this company is not licensed in XXXX to collect a debt. I have been harassed about a debt I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2020-10-01
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Chase Bank has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. Chase claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to Chase bank was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.

Company response to consumer: Closed with explanation