BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I would like to find out more about the Wells Fargo class action lawsuit. I was supposed to receive money for my already closed account I had with them because I moved from that location and live somewhere new.

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: 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:
Fraudulent XXXX  account reporting of {$22000.00}

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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 XXXX has violated my rights 15 USC 1681 section 602A states l have the right to privacy 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-09
Company: Paramount GR Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX, I used a company called Loan Pal to get a loan. I used the loan for solar power on my home, buying all the parts and installation from XXXX XXXX. As happens, my original loan sold from Loan Pal, and I now owe the loan to Good Leap. My complaint is about Good Leap 's threatening practices. 

In about XX/XX/XXXX, I became unable to make loan payments on time. I explained to Good Leap I am not working or receiving money and am behind due to serious illness. They have now left a letter left taped to my door threatening me with coming into my ( fenced and gated! ) back property, and disconnect the solar panels on my house. 

First, I understand I owe a loan, but the solar panels they are threatening to disconnect were neither purchased from them, nor by them. It seems illegal since they only bought out a loan from Loan Pal. Second, can they really trespass into my property and/or break or mess with my house/home or connections because I'm behind paying?! Even car mechanics can't come open your hood and break your car if you get behind, or electricians and plumbers aren't allowed to come in your yard and tear out previous work if your check is late. I have never known such an unreasonably hostile and unprofessional acting company. I'm left freaked out someone is going to break in my gate where my loose, beloved, pets live, and then break the house connection that actually XXXX XXXX came and hooked up. What do I need to do, or can I do to make them cease this threatened and seemingly illegal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TX
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recently submitted a complaint about another account for the same apartment I don't understand how 2 separate collection firms can try to collect the same delt I owe an each 1 is different it affect my credit tremendously an I feel it should only be 1 credit firm handling the delt so i can know an accurate amount to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have already filed a complaint about this company but, I am doing a follow-up complaint. My prior complaint was number : XXXX. All of the details and screenshots are included in this complaint. 

However, I just received the company 's feedback to which they did not resolve my situation at all, purposely added more interest charges and fees to my account and did not at all attempt to contact me or remove the fees as requested. They also did not resolve the fraudulent charges continuing to try taking money from my account. 

It took the company over a month to repeat to me what they already said over the phone which has now caused my account to lapse even more in fees and is now out of my price range to be able to pay. Due to this, the account in question that simply needed a {$25.00} minimum payment now requires a minimum payment of {$170.00}. I said in my first complaint that Capital One would do this and it is exactly what they have done. 

On top of that, this company also fraudulently places holds on your account, which makes you account become overdrawn. I had a hold from groceries that I ordered for {$140.00} however, once that payment did finally post for it's adjusted amount, Capital One continued to leave the {$140.00} hold which left my account overdrawn for {$140.00}. When I called them about this matter, they said there was nothing they could do, which I knew was not true, as they had removed the hold in the past when I called back in XXXX of 2022. 

Capital One holds money, stacks on fees and interest and does not try to help consumers be able to make payments with them. They have no problem with ruining their consumer 's credit and making the card payments raise to ridiculous amounts. 

They completely dismissed and did not at all address my first complaint and definitely did not validate my fair resolution. As I said before, I would like ALL the interest to be dropped to XXXX and the late payments to be removed from my account, as I did everything I could as well as everything Capital One suggested for making appropriate credit card payments. My credit card having a {$170.00} minimum payment is unfair and illegal, as they are trying to make me pay that from FRAUDULENT charges that I did NOT allow or AUTHORIZE to come out of my account in the first place. 

When charges are fraudulent that means they were NOT authorized by the cardholder which means I did NOT make those payments which means I am NOT and SHOULD NOT be paying for " interest '' or " late fees '' because of them. 

Capital One KNOWS this because they also issued me a REPLACEMENT card. 

I made Capital One aware of a change in my financial situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has exceeded the dispute timeframe for fraudulent activity. 

Check # XXXX for a total of {$55000.00} was fraudulently deposited into a XXXX XXXX ATM. XXXX XXXX held the check and placed a stop payment on it. I opened claim # XXXX on XX/XX/22. I have made numerous attempts to resolve this with Chase. I have filed XXXX  claims with XXXX Bank, and they informed me they sent payment on XX/XX/22. Chase confirmed that the address provided was indeed to the fraud claims department, but they did not receive payment. Chase also claims they have had no response from XXXX XXXX  despite XXXX XXXX  documenting Chase provided information to them to process return payment and XXXX XXXX  has been very responsive in correspondence with me. Chase owes me {$55000.00} after releasing the funds to XXXX XXXX when the check never cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: T.S. Holdings
State: NM
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:
We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax did not complete a thorough investigation or send me the validation method use or the forms found proving the collections were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20, I received a notification from XXXX XXXX that my XXXX XXXX store card had been closed. It was a surprising coincidence as I attempted to use my card online on XX/XX/20 but it wouldnt process. I attempted to resolve the issues by phone but TD Bank, the servicing bank, could not provide me any answers. 

On XX/XX/20, I called TD bank again and the associate stated my card was closed due to inactivity. The associate then stated my card could have been closed since XXXX XXXX now services XXXX XXXX store cards. 

Again, I did not receive a definitive reason why my account was closed and I still have not received notice from TD Bank that my card would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Venmo ( XXXX ) has froze the funds I have in my account. I have called the company and they told me to email them and that they do not deal with issues over the phone. I have emailed them done everything that they asked me to do for them to unfreeze my account. Funds that I got in my account they froze it the same day. It has been months now and they have yet to release my money to me. I tried to change my phone number and they froze it. They are holding XXXX it has been stressful to get this resolved. I am asking that my funds get released and to close my account with Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Name is XXXX XXXX and I am writing this letter in response to a wrongful debt collection received as of XX/XX/XXXX. 
The Debt in question has the following information : - PATIENT ACCOUNT # - XXXX - LETTER DATE - XX/XX/XXXX - AMOUNT DEBT - {$950.00} - REFERENCE - XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - TRANSWORLD SYSTEMS INC I am filing this complain in regards to the charge issued by this XXXX for an XXXX  that was conducted without my previous consent. I strongly dispute this charge and would like to provide further information about the circumstances surrounding this matter. 

On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, for a XXXX XXXX. During this XXXX, I was explicitly informed by the staff about the XXXX XXXX and the procedure to move forward with the test which included ( as per the consent signed on that day ) : 1 - The XXXX would reach out to inform the cost of the exam. 

XXXX - Upon receiving that information, I would then need to approve the test by providing the XXXX a written approval and consent for the XXXX to be performed. 

The consent signed on that day had a clause that reads : A separate consent indicating an estimate of your potential cost share will be provided for your acknowledgement. Both consents must be signed to proceed with the testing. 

After a couple days, I received a call from the XXXX in which the representative affirmed that they were not sure how much the test would cost me saying it could be anywhere from {$50.00} to {$950.00}. Based on that extremely inaccurate information, I DID NOT give them the approval to proceed though the phone not to mention in written. 

Despite my clear instructions, the staff proceeded to conduct the XXXX XXXX  without my consent or authorization. As a result of this breach of trust, I not only feel violated but also deeply disrespected. My privacy and autonomy were not respected, and the rules established on the clause were not followed accordingly. 

I have called the XXXX multiple times, spoken with a representative named XXXX. I've already sent a letter to them requesting the bill to be cancelled, and they ended up sending the amount to the above mentioned debt collector. 

I hope that this matter can be resolved in a timely and satisfactory manner. 

I appreciate your attention to this issue and look forward to hearing back from you as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 2023-01-19
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is trying to collect debt from me they're in violation of XXXX XXXX XXXX & XXXX XXXX XXXX I would like to dispute all claims from my credit report and have it cleared from my credit I would also like to rescind the claim as I've paid for this property without knowledge of me paying

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: National Credit Systems,Inc.
State: AZ
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 have disputed a debt that is not mine with the collection company National Credit Systems for amount of  XXXX dollars. I have also disputed the debt to the credit bureaus and they claim the debt was valid. I have never lived nor have i ever done business with the creditor XXXX was collecting for. I have asked for proof the debt was mine and the company was unable to provide anything with my social security number, date of birth or address. Nothing was provided showing i signed any contract or provided any banking information to this company i have not heard of. This account was closed on my credit a couple times and re opened by XXXX illegally. XXXX never sent any letter giving me a chance to dispute prior to reporting negatively on my credit. I am asking this be removed from my credit and collections actions be stopped as this is not my debt. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is with LendMark Financial. I received a letter to settle this but decided to evaluate the handling of this loan first. I responded to the settlement letter and requested my payment history. I discovered my payments were not deducted properly and I still owed a larger balance than I should have. I have not anything further from LendMark since I requested the payments I already made be used to settle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A representative by name of XXXX from Regional Finance has went against the fair debt collection practices by contacting my employer ( after I specifically told them not to especially if I am having open communication ) asking my boss why I was off and when Ill be back etc, then contacting a lady she used to work with at another loan company discussing my business asking why or if I had came in and going so far as to threatening me with garnishments when I had open communication was only 12 days late. This is harassment. Upon getting the loan I was totally discriminated against due to the fact I was told they typically DO NOT loan money to other people that are employed with another finance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was de-frauded while traveling XXXX in XXXX by deceptive practices. 

In XX/XX/XXXX, I traveled to XXXX with the tour company XXXX XXXX. They took us to a silk factory called " XXXX XXXX XXXX XXXX '' and encouraged us to purchase large amounts of silk goods and clothing with the promise these goods would be shipped home to us in America. As of this date, I still have not received my purchases. 


Thank you so much for giving me some recourse. No person in their right mind would pay for goods not received. Chase Sapphire can easily remove these disputed charges, as the charges for this purchase have proven to be fradulent per all my documentation Chase has on file. I am confident one of the biggest banks in the world has adequate insurance for this type of dispute. 

I trused the XXXX XXXX  tour company guide, I trusted the Silk Factory, and I trusted Chase Sapphire to protect me from fradulent activity such as this. Chase has numerous documents on file proving the goods were never shipped and/or received by me. 


I have spent many thousands of dollars on this credit card since XXXX, and earnestly believed Chase would protect me against fraud of this type, expecially when traveling overseas, with a language and culture barrier. I was given no other choice by the XXXX XXXX  Tour company and factory but to have these goods shipped to me, and as stated in my complaint, as of this date I still have not received them. I was not offered or given the option to mail them by air. 

I need JP Morgan Chase Sapphire Credit Card services to remove the fradulent charge of {$2800.00} so my credit will not be ruined, and my ability to refinace be affected. 

With appreciation for your services and help in resolving this matter, I remain sincerely XXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Did not allow me to lower my APR, refinance.

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