BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D,  Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal  Court for violation 's ~815 ~808 ~809 of Federal Credit Law. 

National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX   complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX  in reporting XXXX  XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX  XXXX XXXX on my credit report. Neither of the accounts belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Bank of America made a mistake processing a wire i tried to send on XX/XX/20. They then lied to me and told me the other bank didnt reply to a swift message that they never sent. Then they lied and said their website doesnt always display the right disclosures so they had to cancel it so I could try it again. Then they finally admitted they clicked the wrong button and cancelled it by mistake. It should be illegal for banks to lie and blame other companies for their errors. You should fine them.

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 2022-08-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed order # XXXX for an XXXX mousseline tunic from XXXX on XX/XX/XXXX in the amount of {$900.00} and paid with my Chase debit card ending in XXXX. I also placed a 2nd order # XXXX for 3 items from XXXX on XX/XX/XXXX in the amount of {$1700.00} and paid with my Chase debit card ending in XXXX. 

I then decided to return the XXXX tunic from order # XXXX as well as one of the items from order # XXXX. I figured that it would be a good idea to save a return label for XXXX and placed both items in one box and shipped it back with the prepaid return shipping label that was included with order # XXXX. 

I received my credit for order # XXXX on XX/XX/XXXX. I was waiting for my credit for order # XXXX and when reaching out to XXXX customer service to question where my refund was, they said that they havent received the item back. My emails were never answered, and I have called numerous times the XXXX customer service line, however, they just told me that I never sent it back. 

I just tried to do a good deed and save a shipping label and therefore shouldnt lose a refund in the amount of {$900.00} due to the return warehouse workers negligence. As a side note, the XXXX tunic in size XXXX was completely sold out after I ordered it and it was on sale so not coming back in stock. A couple of weeks later I saw it available on XXXX. Perhaps it was mine which was just put back into stock

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citibank received a copy of my bankruptcy discharge notice from the United States XXXX Court XXXX XXXX Minnesota on XXXX XXXX in regards to all of my debt with Citibank has been discharged under Chapter XXXX bankruptcy. Citibank is in violation of The Equal Credit Opportunity Act ( ECOA ) under federal law by not allowing me to apply or get a Citibank XXXX Credit Card.

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 2018-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING IS ERRONEOUSLY REPORTING A COLLECTION FROM XXXX XXXX  -NEVER BANKED WITH, ON CREDIT REPORT TO ALL 3 BUREAUS FOR XXXX. NUMEROUS ATTEMPTS TO REQUEST VALIDATION OF THIS DEBT WENT IGNORED, MIDLAND NEVER RESPONDED AND XXXX XXXX THE ORIGINAL CREDITOR STATED THEY HAD NO NO NO RECORD OF THIS ACCOUNT UNDER XXXX XXXX NAME AND SS # THIS IS ILLEGAL AND MIDLAND SHOULD NOT BE ALLOWED TO HARASS AND OBUSE CONSUMERS THIS WAY ... MIDLAND FUNDING Account number XXXX .... 
Recent balance {$7700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Stallings Financial Group, Inc.
State: GA
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 a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Creditor XXXX XXXX apparently forwarded an amount of {$270.00} to Receivables Performance Management as an outstanding amount due. I noticed the amount on my credit report in XXXX and paid it immediately by calling XXXX XXXX. XXXX XXXX has contacted Receivables Performance Management and told them that this account needs pulled back from my credit report because they agree they do not have the right mailing address and I never received notice. Receivables Performance Management has not deleted this even though they've received emails from XXXX XXXX and from myself with XXXX XXXX 's email. Attempts have been made from XX/XX/21 up to and including this morning XX/XX/21.

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 2018-12-17
Company: Experian Information Solutions Inc.
State: NC
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 TALKED TO EXPERIAN SPECIAL HANDLING DEPARTMENT SEVERAL MONTH BACK IN XX/XX/2018 CONCERNING ACCOUNT SHOWING UP ON MY CREDIT FILE WITH A ADDRESS IN XXXX SOUTH CAROLINA. EXPERIAN PULLED MY FILE UP AND STATED DO YOU LIVE AT XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX, I STATED NO! I TOLD THE FRAUD AGENT I HAVE ALWAYS LIVED IN NORTH CAROLINA MY WHOLE LIFE. THEY DISPUTED THIS ACCOUNT AND ADDRESS AND IT CAME OFF WITHIN ONE WEEK. I CALLED BACK AND ENDED UP TALKING TO A LADY NAMED XXXX IN THE SPECIAL FRAUD HANDLING DEPARTMENT AND SHE STATED THE ACCOUNT IS BLOCKED AND IT WILL NEVER REPORT AGAIN. NOW EXPERIAN IS SAYING MY POLICE REPORT AND FTC REPORT IS NOT TRUE. THAT WAS A SLAP IN MY FACE!!!! ONE THING I HAVE NEVER DONE IS LIE!!! I WAS RAISED BETTER THAN THAT. I WAS A HEAD JUDGE FOR 30 YEARS AND HAVE A GREAT NAME IN MY STATE OF NC. I CONTACTED THE POLICE AND SHERIFF DEPARTMENT CONCERNED ABOUT THIS ISSUE WITH EXPERIAN SAYING I LIED ABOUT THIS POLICE REPORT. THEY STATED ( DEPUTY XXXX XXXX ) ITS AS REAL AS REAL CAN BE. NEXT IS IM FILING LEGAL ACTION AGAINST EXPERIAN AND XXXX XXXX FOR ALLOWING SOMEONE TO USE MY CREDIT WITHOUT MY PROMISSION. XXXX XXXX  CANT EVEN SHOW ME THE CONTRACTS AND EXPERIAN KEEPS INVESTIGATING IN OVER AND OVER AGAIN AND NEVER SHOW RESULTS. THEY REMOVED XXXX XXXX XXXX, XXXX SOUTH CAROLINA XXXX AND THE INQUIRES FROM THIS LOAN BUT WANT REMOVE THIS ACCOUNT FROM MY FILE, EXPERIAN STATED THE ADDRESS IN S.C. WAS REMOVE AND INQUIRE WAS REMOVED AND BLOCK AND WAS FRAUD!!! BUT NOT THE ACCOUNT IT WAS SET UP UNDER. I WANT IT REMOVED OF LEGAL ACTION WILL BE FILED ON XX/XX/2018. THIS IS ABUSE TO A SENIOR CITIZEN ( I'M XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks 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 2021-01-20
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from Comenity Capital Bank and also Comenity Bank. I do not have an account with them. I sent each entity a cease and desist and they still call me! Message me etc. They need to be fined and penalized for harassing me. I am not even a customer. They are a messed up organization and do not follow the rules of law regarding a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am currently XXXX, & was looking for a room to rent. XXXX texted me & told me that she was in an internship in New York, so her grandfather would be handling the key situation for her, & that they had a room for rent, going for {$500.00}. I sent that, & we proceeded with the lease agreement, which I have as evidence. XXXX also told me that I had to give her {$300.00} for the security deposit, which was refundable upon me viewing the house & getting the key. I sent that. I wanted to add someone else to the lease, so she told me I had to send {$300.00} more to make up for the upgraded rent. I told her that I didnt feel safe giving up more money until I received the key, & I told her give me her grandfathers number. The grandfather, who goes by XXXX XXXX XXXX assured me that after sending the {$300.00}, he would be on his way to the property to give me the key. I sent the {$300.00} & upon waiting at the property, XXXX sent me an array of text messages, informing me that I was scammed & that its just the hustle. Now I am XXXX  & short of {$1100.00}. 

Sorry bro .... This is a scam Fake account Fake XXXX Apologies ... .. It's a hustle Throwing away all numbers and email Closing the zelle account Good luck Those are the last text messages sent to me by XXXX. I have more evidence, such as the lease, all the text messages, XXXX transactions, and the claim number I have with Bank of America. Please help me in any way 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 2020-07-02
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT EQUIFAX MORTGAGE SER 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 explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Check fraud/misappropiated funds : Wells Fargo bank deposited a check we wrote to a different company or person than listed on check. Seeking reimbursement for misappropriated funds. 

Date of check XX/XX/XXXX amount : {$1200.00} date redeemed : XX/XX/XXXX Have not been reimbursed for Wells Fargo mistake. I called Wells Fargo after it was processed after being contacted by the intended recipient about the missing payment they were expecting. Wells Fargo confirmed that the account funds were deposited to was not the same as written on the check, but would not tell me the account holder name nor would not process a reimbursement. Wells Fargo told me that I needed to go through our bank to process a request for for reimbursement for this check that was deposited to their account holders account in error. 

I started a claim through our bank on XX/XX/XXXX. I provided the required paperwork with a signed statement from payee confirming they did not receive the check or receive the funds. Our bank submitted the claim to Wells Fargo on XX/XX/XXXX. They advised me it could take 90 business days. I had followed up with them several times over the past few months inquiring about the claim status. each time they said there was not response, although there was a response of receipt of claim initially. 

Finally on XX/XX/XXXX received a letter from our bank saying that Wells Fargo has not responded to any of their multiple attempts regarding my claim and thus have closed the case. It has been 6 months since filing this claim and it has not been resolved, nor has Wells Fargo responded.

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 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Payed my bill in full XX/XX/XXXX and Capital One is charging me a {$35.00} fee for interest for XX/XX/XXXX. I called and talked to a manger and he said they were charging interest on past charges. There were no charges for XX/XX/XXXX through XX/XX/XXXX. To That should not equal {$35.00}. I intend to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
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:
XXXX XXXX account closed and paid in full XXXX paid in full XXXX account not related to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: MO
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:
I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a XXXX XXXX credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
XXXX XXXX has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from XXXX XXXX to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) XXXX XXXX wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by XXXX XXXX. XXXX XXXX will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: MA
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:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

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 2021-06-07
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company by the name of Security Cred ( XXXX XXXX ) received a debt for me in the amount of {$660.00}. I contacted the original ( XXXX XXXX ), they told me that someone had applied for an account twice with all my information. The original company mark the account as fraud and told me to notify the debt collector. The company also said an account was never established. But when I made contact with the Debt collector, they stated an account was was open and used. I know no knowledge of this account and nor did it show up on my credit report as an open account until XX/XX/2021 under a debt collection. my credit score was heavily impacted by a loss of 43 points. I am also in the middle of refinancing my home which is affecting my loan approval. The company has made me jump through a lot of hoops and nothing is resolved. I filed a police report and Identity Thief Victim 's Complaint and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently included in a class action lawsuit with Santander Consumer. On Friday XXXX a representative from this company called and attempted to collect money from me on vehicle that was a total loss. I advised the rep that per the attorney general I wiuld be receiving a check on XXXX for the monies Santander over charged me for I told the rep now how can I owe you XXXX for a car that is now owned by XXXX XXXX but you all included me in a lawsuit of accounts that you over charged plus I dont have the car anymore. Santander ripped me of and I actually payed three and a half times what the car was sold to me for.also I am receiving a refund check from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I pay off my credit card debt and Im still getting a negative balance in my credit report is been a year since I paid it

Company response to consumer: Closed with explanation