BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX here ... 

Consumer Financial Protection Bureau ( CFPB ) representative- Please, if you will, open Attachment # 1 and review the " Re-evaluation of credit card dispute '' letter sent out by Bank of America in XX/XX/2020. 

The full charges which I have been strongly and adamantly insisting that are fraudulent charges ( i.e., not my charges ) totaling ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ... 

Yet, Bank of America does not agree after I asked for more than one re-evaluation of my credit card dispute. The exact wording in the letter ( as you can read ) is : " While you personally didn't make the charge ( s ) ... '' - >>> thus agreeing with me that these are not my charges and therefore fraudulent charges " ... we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' - >>> BUT THIS IS NOT TRUE! The only other authorized user for this Bank of America credit card is my lovely wife, and she did not order over {$4000.00} worth of product online!!! 

>>> My lovely wife and I are prepared to submit sworn affidavits notarized by a Notary Public if necessary to reinforce this fact ...

=== === Bank of America has been trying to collect the debt on this card- debt which neither myself nor my lovely wife created as neither of us purchased the items on the credit card totaling the charges of ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ...

I understand that your office may not be able to adjudicate this issue, but wewould like to report Bank of America.

See Attachment # 2 titled, " Bank of America- FINAL FINISH, 11-30-2020, BoA LETTER to the BoA Fraud DEPT '' which I mailed to Bank of America to reopen the fraudulent charge case ( which I still believe is valid ) ...

God bless ...

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 2020-07-20
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been trying for 16 days to get access to money paid to me through PayPal ( PP ). PP is not doing live customer service. I have asked to talk to a supervisor and was told it would be " a long time before a supervisor would be in contact '' with me. The only way to get assistance is through messaging. I receive a message, usually once a day, coming in sometime in the afternoon. Each time it is a different person. It appears that none of them read the thread as I get conflicting instructions and information, each time. I am not able to access my money without linking my bank, but the system rejects me when I get to ( what I think ) is the last step of linking, which is adding my phone number. I have added my phone number into my account so why it is not able to access it or accept it is beyond me. Samples of advice I have been given : " After reviewing and validating your account, our system is not allowing this bank to be added on your account. Our system runs security check considering a variety of factors. For the meantime, please consider linking a different bank or perhaps you may try to link a card that you can use to withdraw your money. '' I bank with the largest bank in the U.S., so this is absurd. I am given instructions that ignore my statements about the error I receive. If it a complete joke. I am not able to transfer my money, nor get a check sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Collection Company : ARS ACCOUNT RESOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip :XX/XX/XXXX FL XXXX XXXX have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2019-06-03
Company: Integrated Mediation Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/19 this company called my son, wife, neice and nephew and said they were going to send this to XXXX XXXX XXXX and said it was urgent that I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: WESBANCO BANK, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX my husband and I purchased a house. In XXXX we file bankruptcy but not on our house. My husband died in XXXX, they said we did not have insurance for it to be paid off but we certainly did. I immediately try to remortgage to get away from this bank ( they purchased the bank from my previous lender. At that time a refinance company told me that I could not do because my house was foreclosed on XX/XX/XXXX. I'm still living here making monthly mortgage payments. My bank denies all this, they said it's not true, that they just have lien on my house. I have a friend the works at the courthouse that says there is no such thing on my mortgage. I know someone that works in a bank said shadow for closer means they own the house and I'm being treated as a renter and they can sell it out from u der me any time they want. They stopped paying my escrow in XXXX but I never found out until XXXX. They are still the agent on my escrow, but they are not paying them or forwarding the bill to me. Thank GOD for my boro tax lady. We filled bankruptcy 22 years ago, why now? I admit I was behind and struggled for many years but I am now current and have been for 4 years. They won't report my payment to the credit Bureau because of bankruptcy nor can they take me off the no mail list for the same reason. I need this investigate, because when my husband died they ask me did I take the death certificate to any branch and I said no, they then suggested that wasn't necessary but I took it anyway to my local branch by my house but they never recorded the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CL Holdings LLC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with Midland Funding LLC. I have never received any correspondence from Midland Funding LLC stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with Midland Funding for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that Midland owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead Midland has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. Midland Funding LLC refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. Midland Funding LLC is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure Midland Funding LLC understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. Midland even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in Midland 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: I.C. System, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX ... I C SYSTEM ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ( Original Creditor : 09 XXXX  APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : 11  XXXX XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I filed a complaint later XXXX with the code XXXX Complaint on the consumer finance website against Wells Fargo in cooperation to get {$100.00} monetary relief from overdraft fees that was accepted and we were told that we were going to be refunded for the {$100.00} in overdraft fees on XX/XX/2021. We never received our money and havnt had any updates on when that was supposed to be arriving. 

We would like our money if possible since Wells Fargo already said that we were going to be refunded. Thank you! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 around XXXX XXXX. I got an email saying my account was closed. I didn't do this myself. I was a victim of fraud last month on this Chime account. I was given no reason why this happened an no access to over {$1000.00} in funds. No way to contact Chime via phone as the system is automated and would not let me get to anyone with my account being closed. I had to have my husband call in so I could get someone as he has a Chime account. The lady was of no help. She wouldn't let me speak and said you only can email about issues like this. I have emailed and gotten one response within 24 hours saying use the automated phone system which docent help with these issues. No live person to help me at all and no reason as why my account was closed without my approval. No my funds are held up for over 30 days and I have no way to pay for living, food, and transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
So I had a vehicle with TD Auto Finance and that vehicle was lost due to a fire and the vehicle was a total loss. My insurance had told me they were going to pay off the rest of the car for me because I wasnt done paying it off. The months I was waiting for the insurance popped up on my credit as missing payments even though they had said they would pay it off and I just wanted to get those 2 missing payments off my report because I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I've had capital one card over 2 years, was happy with it. But then coronavirus hit and I haven't put any spend on it in over 6 months. I use it today for the first time and notice I was charged an annual fee yesterday. I called to cancel the card and get my reimbursement XXXX or at least for 11 months since I use it today ). They said it could be cancelled but no prorated fees would be returned. I've heard many other cards give you your money back of your cancel anytime during the year because they can't charge you for what you don't use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXX $ collection that I didnt approve of, I've taken every action I could think of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report I noticed an account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former diligent examination of this 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 2020-07-20
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
i file complaints with trans union XXXX and XXXX and after the investigation XXXX and XXXX deleted the derogatory companies but trans union still has not deleted from my credit report which is really hindering my credit score. i also file a coplaint with the CFPB and trans union still hasnt removed those accounts. please look into this matter for i am at a lost and dont know what else i can do

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