BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, Capital One, notified XXXX XXXX, that it again hired Debt Collector, XXXX, XXXX, and XXXX, to make allegations Mr. XXXX defaulted on a credit card for a second time. On XX/XX/2020, XXXX XXXX, faxed a debt validation notice to XXXX, XXXX, and XXXX, to provide verification of the debt within a 30 period without contact under the Fair Credit Act. On XX/XX/2020, Capital One, contacted Mr. XXXX, via automated E-MAIL, during the 30 day validation period, in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Resurgent Capital Services L.P.
State: NY
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 send a request for validation letter to LVNV Funding on XX/XX/2021 via usps certified mail and they received the letter on XX/XX/XXXX ( proof attached to this complaint ). 
The company had 30 days to respond to the request for validation letter and they failed to provide me with proof of validation. this company is violating the Fair Debt Collector Practice Act by failing to provide me the information requested at this point they on default and in violations of 15 usc 1692 and 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of Pursuant 15 usc 1602e i am the natural person and the only one who can validates the alleged debt. I do not owe this debt and I refuse to pay this debt. I want this company to remove this account immediately of all CRA 's due to failure to provide proof for validation and default for not responding within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 explanation
Consumer complaint received 2019-03-19
Company: Leopold & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was served with a complaint in a foreclosure case, Index # XXXX, on XX/XX/XXXX, which was in Supreme Court, XXXX XXXX, New York. 

That case was Voluntarily Discontinued by plaintiff XXXX XXXX XXXX XXXX XXXX, ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX reopened the case, XXXX # XXXX. A debt collector, Leopold & Associates, is the company designated to handle the case. 

In an earlier complaint I filed with your agency, the Consumer Financial Protection Bureau, ( CFPB ), against XXXX, which dealt with the Statute of Limitations, XXXX indicated that they were not the party involved in that matter, that I should take it up with " another company. '' This was a strong indication that they are not the plaintiff in the case, but they worded it in such a way that they did not clearly say this. 

This complaint against Leopold is an attempt to identify them as the owner of my Note. In the majority of cases, a debt collector buys the debt for pennies on the dollar and pursues collection for themselves. I believe this is true in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I sent a letter to Equifax about some inquiries on my credit report that were not authorized by me. Without my written consent no inquiries are to be reported on my personal credit file without my permission as stated by FCRA. Also FCRA states that a response to an investigation must be made in 30 days or items must be removed. I have yet to receive any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX, XXXX regarding an attempt to collect a debt from PayPal. I called the agency but they could not give me any information. I called Paypal and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company attempts to collect an amount that I have no knowledge of. I did not make the purchase that resulted in 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 2017-12-04
Company: Live Well Financial, Inc.
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In the year XX/XX/XXXX I missed paying my first installment of my property taxes by the XX/XX/XXXX. At that time Live Well stepped in and paid both installments then refused a repayment program with me. After I was finally able to get a repayment scheduled they gave me a payment plan in which I accepted. After a few months of paying this they refused payments from me all of a sudden and tried to foreclose on my home. I took them to court over this and won. I received a new payment plan from the courts and have been paying on it ever since. Now this year XX/XX/XXXX I contacted the tax office to ask a question about a payment to my taxes only to find out they had already been paid in full on the XX/XX/XXXX. Not only did they step in and pay them early they did it without my knowledge and wants to charge me over XXXX dollars for them paying them. They also will not allow me a repay on it. I sent them XXXX dollars with a letter to put it towards the XX/XX/XXXX taxes along with the regularly scheduled payment for the XX/XX/XXXX taxes. They chose to ignore my letter and put the whole XXXX dollars towards the XX/XX/XXXX taxes and now they are refusing to let me pay for the XX/XX/XXXX taxes and are also refusing the court ordered XX/XX/XXXX payment which is almost paid in full. They have just decided they are foreclosing on me no matter what. They are the ones who paid my taxes early without even giving me till the due dates. They are also the ones that are refusing the court ordered payment for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2017-12-04
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a follow up to my complaint # XXXX that you closed. This complaint was not resolved and was closed. TD sent the attached response on your website. They stated they sent the consumer a letter. They never did. I read it on your website. Limited information was provided by TD Bank as to my complaint. The signed letter from XXXX XXXX, VP of Global Security & Investigations does not have and address or phone number on it. No contact information to follow up the investigation as to where my money is. The letter also noted a XXXX XXXX, Sr. Investigator was working on this. Again, no phone number or contact information. TD and XXXX XXXX seem to be keeping me out of the correspondence loop intentionally. I need answers from TD Bank. I want to know if they received the Hold Harmless/Indemnification form from XXXX XXXX as requested. I want to know why this was needed and what does this have to do in relation to my account. Is this to reverse funds back to my XXXX XXXX checking account from their customers fraudulent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Assured Financial Partners
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The complaint is against XXXX XXXX XXXX ... .XXXX XXXX made a call to my current employer on XX/XX/2019 and spoke with someone in HR in lengths about an alleged debt ... .they told the HR person all about the alleged debt I may owe ... XXXX XXXX made it seem as if I was going to jail behind this debt..They told the person in HR that if I didn't contact them then I will be going to court for the alleged debt. XXXX XXXX XXXX   then stated to the HR person the amount and court fees if they don't get in contact with me ... Not only did the person in HR was told this ... but someone else was in her office and she had XXXX XXXX  on speaker phone so another employee heard all of this to ... XXXX XXXX XXXX  even went as far as asking HR could they send a certified letter to my job for someone to sign for..I work at night so it would be impossible for me to sign for a certified letter.which in turn means anyone can/would sign for further exposing this alleged debt to unknown persons other than myself XXXX XXXX XXXX also stated since they don't have my address they are going to send a certified letter to my job ... The HR personnel was so worried after the phone call she texted me a message in this regard.. I do have that text message saved also. I've at the same address for 17yrs ... I called the number left XXXX/ case number XXXX to see what this was all about on XX/XX/2019 ... ..The representative of XXXX XXXX told me if I didn't pay then it would cost me XXXX in legal fees plus alleged debit of XXXX ( + ) if I didn't pay ... .He made it seem as if court documents had already been filed when no paperwork was filed for a case in court .... I asked for a debt validation letter but have not received it as of this date .... XX/XX/2019 ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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 am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX  but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: FIRST NATIONAL BANK OF OMAHA
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 found out that there was a fraudulent account opened in my name through XXXXXXXX XXXX XXXX on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with XXXX Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost XXXX points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. XXXX is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.

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 2021-02-10
Company: CHECK INTO CASH 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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CHECK INTO CASH Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 in the morning I open the mobile phone bank of America found that being taking {$5000.00} in New York, my bank card is not lost. I in Virginia, I immediately go to a local bank to deal with this case, and then call the police, I waited for more than three months, they give me the answer is my licensing deals, I'm sorry, I ask them to check the bank surveillance video that person not me, they put my end of the case, then I found my identity theft, they and the identity of the I apply for a credit card, steal my phone number, and even the irs examination was stolen, I don't think it's just I met such a thing, I think bank of America has a responsibility to be responsible for the fake bank card to withdraw money.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote a validation and verification letter to XXXX XXXX  as well as to Experian, XXXX, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve

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 2020-10-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: SC
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 submitted a dispute via Experian against 4 accounts with a company be the name of XXXX on my credit report. The dispute reason being I was no 60 days past due on two of the accounts and that two accounts have been paid off completely. I paid the accounts off in full before the reporting cycle for XXXX, I also was not 30 days past due in XXXX for two of the accounts they were paid before the due date for the month yet still reported as late. Experian gave me the results of the dispute as verified accurate. This is false and is leaving inaccurate information on my report. I would expect that Experian has to only allow accurate information on the reports. Experian failed at making sure and verifying the information was accurate. They should have paid the company verify exactly when payments were made and when were the payments due. This would have given them the information to know that XXXX was not accurately reporting my accounts. Also they have two accounts currently showing balances that were actually paid in full before XXXX reported to Experian. This was not verified yet Experian allows it to remain inaccurately on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, upon checking my bank account online I noticed I had three ( 3 ) overdraft fees of {$29.00} from XXXX. 
I called the XXXX XXXX number to ask why did put the checks through, now, three times. In the past, XXXX has notified XXXX will only put a check through two times and then send written communication to the consumer for payment and/or legal action. 
I was informed by a XXXX rep. when I called on XX/XX/2018, that they no longer collect return checks in-house and that the company Certegy now handles all of their return checks. 
I called Certegy and found out they were the ones who debited my checking account WITHOUT ANY WRITTEN NOTIFICTION/COMMUNIATION to me as the consumer at all. 

I could not provide a control number for the Certegy rep. on XX/XX/2018, as I NEVER received any written communication notifying Certegy was now handling the debt collection for XXXX. 

I was NEVER GIVEN the chance to pay my debt or set up arrangements to pay my debt. 

*CERTEGY DEBITED MY CHECKING ACCOUNT WITHOUT ANY WRITTEN NOTIFICATION AND/OR CALL AND WITH MY PERMISSION. 

Yes, I owe a DEBT, BUT THAT DOES NOT GIVE ANY COLLECTION AGENCY RIGHT TO DEBIT MY ACCOUNT WITHOUT PERMISSION, UPON TAKING OVER FOR ANOTHER COMPANY.

Certegy 's actions caused my bank account to overdraft. 

This is not right and certainly not fair.

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