BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I ended getting charged {$70.00} in overdraft fees which I believe is ridiculous seeing how that has never happened before, my card has always just declined whether it be a purchase made for that day or a subscription. 
The XXXX charges that were over-drafted were subscriptions these being : -XXXX  {$14.00} on XX/XX/23 -XXXX XXXX {$22.00} XX/XX/23 The day prior my available balance was {$7.00} which means that no matter what, that amount available could not have covered those charges which is why my card should have declined as it always has in the past. 
I believe these overdraft fees are unfair to me because instead of allowing these charges to go through, the card should have declined.

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 2023-06-14
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Everyday, Midland Credit Management flags my account as collections and threatens a lawyer, I get repeat robo calls from them daily. XXXX  is dropping my credit score every single day since Covid-19 pandemic started, causing for companies like SBA not approve loans for my small business.

Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. 

All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter. 



MIDLAND CREDIT MANAGEM has flagged your account as Collections on XX/XX/2021. 

Source : XXXX  Company : MIDLAND CREDIT MANAGEM Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX Collections ) Balance Date : XX/XX/2021 Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I Tried to Get a Secured Credit Card and Capital One Denied Me a Secured line of credit. No Futhur Action Was taken on thier behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: General Motors Financial Company, Inc.
State: MI
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:
HI. I have challenged information that is being reported by GM Financial for a vehicle that was stolen. I had insurance and GM Financial has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023 I received money from friends and family via PayPal, hours later I received a message saying that my account was limited and I need to submit a picture of my ID, proof of delivery for transactions that werent for any goods and service but instead money sent to me from family and friends. I uploaded a picture on my ID which matches the name on the account and also contacted customer service on that same day. I asked customer service why was my account temporarily limited and he checked the account and told me it looked like that was a mistake from their system as I didnt have to provide proof delivery for money sent to me from friends and family. He also told me he was submitting a ticket to get a manager involved and go over the account. The agent advised me to give it XXXX hours for a resolution and to expect the resolution via email. The next morning XX/XX/2023 I woke up to an email stating that PayPal was permanently limiting my account and would hold my money ( {$260.00} ) for a period of six months. I then contacted customer service again, and again I asked what was the reason behind their decision but she told me she wasnt sure why, I explained to her that my friends and I do get togethers at least once and month and every time we do that I collect the money to purchase the food, utensils and anything else needed for our activities, because Im XXXX XXXX XXXX  mom I have more time to help with getting everything together for our fun moms time. That agent asked me if I was receiving money from overseas to which I replied I wasnt since my friends live within the XXXX. She told me she would put in another ticket to request a higher up to take a look into my account. Im still waiting for a resolution which at this point I will no longer be using PayPal since the way they do business is totally damaging for people, holding my money for XXXX months without an specific reason its a violation. Because of this hold I had to put money out of my bank to cover the food and items needed for the get together and now Im left with no money to cover my rent. Its a violation for this institution to hold money for XXXX months without providing a solid reason as to why, none of the customer service agents I have spoke to knew why was my account permanently limited. 
I would like to have access to my money as soon as possible since they arent given me an explanation as to why they want to hold money for XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: CT
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 don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received notification on the morning of XX/XX/15 that both my checking and savings accounts were restricted, supposedly for my protection. There was no notice or warning given prior to this. The language appears to make it sound like suspicious activity was occuring which resulted in the restriction and automatic closing of the accounts but not warning was given. I was not contacted at all until the notice which came the day the restrictions went in place leaving me with no access to my funds. When I called, I spoke to reps from multiple departments and no one could tell me why the restrictions were in place, they confirmed that there was no way for me to access my funds, and I would receive a check for the funds after the account closing process ( which was not initiated by me, but by the bank ) completed in XXXX business days. 

It is unacceptable that the bank can just freeze my funds, provide absolutely no explanation, and tell me I will just have to wait XXXX weeks plus however long it takes for the check to come in the mail for me to have any access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom or what this may concern, but the information on my credit report is completely inaccurate. XXXX  shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and Transunion have different information as well. Transunion shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.

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 2023-04-06
Company: Aldridge PIte Haan, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've had 3 accounts with XXXX. 

Two accounts I paid off fully, and I wound up paying nearly twice as much as I originally owed because of how high the interest rates are plus exorbitant charges for late fees or missing a payment. 

The third account I had was closed and sent to collection in XXXX. When I got the account, I was making more income, lost that job, and it took a while to get back to where I was. In the meantime, I fell behind on the minimum payments to this third account and it was closed and sent to a third-party collection agency, which wound up filing a lawsuit against me in NY, where my parents live and where I resided the last time I had used/paid toward the account. 

I contacted XXXX in XX/XX/XXXX. They told me to contact the collection agency directly. I did and they said they were going to send the account back to XXXX. I contacted XXXX again after speaking with the collection agency, letting them know and asking how I can communicate with XXXX once they received the account again to resolve and settle the debt. XXXX told me to follow up with them in a couple of weeks. I did in XX/XX/XXXX, and they never responded. 

Then in XX/XX/XXXX, I get a couple of letters in the mail from Debt relief businesses soliciting business for a lawsuit filed against me for the XXXX account in XXXX XXXX, Florida, where I live now and the address of which I had updated when I last spoke to XXXX I never received any actual notice of the lawsuit, I have no idea the status of it, how to check on it, or how to respond to it. 

I filed a complaint through the CFPB website. XXXX responded, but omitted any responsibility or communication I made with them, of which I had also forwarded emails and a follow up email in XX/XX/XXXX they never responded to. They deferred responsibility to a third-party collection agency they sold the debt to after ignoring my follow ups to settle it directly with them, that agency being Aldridge Pitte . I have no idea if they filed a lawsuit against me or sold the debt to someone else. I've never received any communication from them and they shouldn't have the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on the date of XX/XX/2021 I went to XXXX XXXX XXXX XXXX I spoke to a salesmen and was shown a vehicle I was then coerced into putting a down payment of {$2500.00} on a consumer credit transaction I was then bombarded with paperwork and was not given adequate disclosure as to what was taking place on my behalf i was not given the proper time to agree to the terms before being forced to sign, the contract is incomplete and contains misleading information I now have been trying to reach the company to properly rescind and cancel this " loan '' they speak of have been ignored

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 2021-07-12
Company: EQUIFAX, INC.
State: GA
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:
As of a report that I obtained on XX/XX/2021, Equifax is in direct violation of multiple FCRA laws by reporting 4 the following alleged, invalidated debts in their database as derogatories, collections, and charge-off accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Equifax is is violation of the following FCRA statutes : 15 USC 1681, 15 USC 1692, and 15 USC 6802. 

I have notified Equifax via mail with supporting documentation that they are in violation of these statutes and that they need to remove this information from their database. I've spoken to them over the phone multiple times verifying that they have received the documentation, which their representatives did confirm receipt but they have refused to remove the alleged, invalidated debts. Which is why I am now reporting Equifax to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: ONLINE Information Services, Inc.
State: TX
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:
I am a victim of fraud. XXXX allowed some one who used my identity to open utilities in my name. I found out about the account once my credit score plummeted. I called XXXX and turned in proper documentation. A police report, paycheck stubs. The issue was resolved and my credit score was restored. XXXX XXXX XXXX continues to ding my credit even after XXXX has investigated and restored my credit. This company continues to come after for a debt that wasnt created by me. They continue to harass me by dinging my credit score. This is nightmare!! This debt was created in XXXX, Texas. This collection agency represents XXXX XXXX and I have never even heard of this company. Its ironic how these collection agency can find the victim. Its not rocket science. Go after the address that is affiliated with the name. My good name is being dragged!! Stop dinging my credit every month!!!!

Company response to consumer: Closed with non-monetary relief