BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I m working with PayPal last year they asked me for all the necessary document to unlock my account. And last week the made a limitation on my account holding about XXXX USD ; I replay with all the requested document, but the customer service telling me each day I contact them the team reviews my problem and they will back to me less then XXXX. I m looking to have my problem solved by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
company is reporting inaccuracies on my credit report and wont show proof

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 2021-05-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  ( XXXX XXXX XXXX ) Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a Savings account in XX/XX/XXXX in preparation for a large purchase. After making the purchase I was planning on keeping the account. The account I was signed up for had a requirement for a minimum balance of {$3500.00}. I was not made aware of this until after the purchase in XX/XX/XXXX when I had found that my account was hit with a couple months worth of maintenance fees. After calling I learned I was signed up for a savings that needed that high of a limit on. I had {$500.00} in the account and was planning on rebuilding it after the purchase. When calling to reconcile I was transferred to the bank 's sales department first and told nothing could be done about the fee. After pushing back I was told I could only be credited back 25 % of the fee.

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 2021-11-29
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company AFNI XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AFNI the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: VA
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 have contacted XXXX, Equifax, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
since XX/XX/XXXX I lost my credit one credit card. I know it had a zero  balance. 
This card was closed with a XXXX balance and statement to prove i do not owe. XXXX  XXXX removed from my credit report, however LVNV  funding who they partnered with did not. originally both were trying to come after me for the same amount over {$570.00}. Which I did not owe. I have sent letters and email and proof on both ends that this is illegal and extorting since there was no amount owed. I have lost over 50 points on my credit because of this denial of a home. I refuse to pay this debt that I do not owe. I spoke w 7 XXXX  2 wees ago XX/XX/XXXX. Which they said they would remove after almost 3 years of fighting. they gave me the XXXX as remove. now XXXX it has not been removed and everytime I call they hang up on me and say they can't help me. I do not owe this amount and I have not charged anything on this card since i lost it in the mist of moving from XXXX to XXXX  that same week. I have tried to contact over 27 times each company and have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Social Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX I called SOFI customer service XXXX to find out the balance owed on my account. I was informed that my account was being handled by XXXX  XXXX. I asked why and was told that they were servicing my account now. I called XXXX and was informed that XXXX was a collection agency and that my account was charged off, I was shocked and asked what address and phone number was used to call to collect the balance.. The agent indicated that he did not have an address or phone number. I told the agent that I did not understand how they are to collect if they have not sent out a request for collection by mail or by phone. I called back SOFI loans XXXX to find out how and why my account was sent to collections as I was understanding that payments had been made. The agent with SOFi indicated they would never mail out any information to my home address to notify of late payment but would only email or call. They had the wrong phone number and could not get in touch with me by phone and sent emails. I told the agent that I never received a call on my cell phone which has not changed in years. I told the SOFI agent that I needed to check with my bank to confirm that payment should have been made automatically from my account to them and would call them back. I called my credit union XXXX was told no payments have been made since XXXX XXXX XX/XX/XXXX I called SOFI, spoke with XXXX -customer service agent.. I informed her that they payments were not drafted nor were transferred from my accunt to SOFI. and that there was a break down of communication. XXXX said they SOFI only sent out emails. and tried to call but had the wrong number I told the XXXX in customer serice that I had not changed my mobile number in years ( 10 ) and why would they not mail a letter to inform of late payment or account status and why they do not have the correct number as on my oriiginal application for the loan. XXXX said that that's just how they do business by email and calls were made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I told her that I do not check my emails regularly but only if notified that some one I planning on sending me an email would I check my email. XXXX said that emails were sent but she could not tell me dates of emiails sent out regarding my account status. XXXX XXXX XXXX XXXX manager said that I would have to contact XXXX XXXX because he could not provide further information. I was concerned that my credit was ruined because I have no other late payments with any one, only SOFI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. Please help.

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 2018-03-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing now in hopes to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a crucial role in this procedure. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and days late to the credit bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX and XX/XX/2016 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Good day, I sent the payment of {$700.00} through online bill pay from webster bank and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call XXXX, and XXXX said call XXXX XXXX. XXXX said since 2 years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the webster bank and spoke with bank Manager, i spoke with many different representatives from both XXXX XXXX and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. They told me to go back to webster bank, dispute it, recall the payments. Every bank has this option to do but webster bank said no, they can not do it. Then again when I called XXXX and XXXX again, both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX am but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and one representative was very impatient with me stating i have to have my financial institution ( webster bank ) send in writing to return the payment. Another representative said i have to contact XXXX bank. I am being circled around and meawhile {$700.00} is lost and webster bank can not retract it, can not recall payment, XXXX XXXX can not and stating call XXXX and XXXX said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: JPMORGAN CHASE & CO.
State: PA
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:
J.P MORGAN CHASE BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with J.P MORGAN CHASE BANK. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with J.P MORGAN CHASE BANK for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: NATIONS LENDING CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started refinancing in XX/XX/2020. Was told XXXX XX/XX/XXXXI wouldnt have to pay mortgage. The was told XXXX I wouldnt have to pay. Then XXXX I wouldnt have to pay. Was told it was with closing team and would be done early XXXX. I waited to pay mortgage because of assurances it would be completed. I then realized i was dealing with a liar, and had to pay on XX/XX/XXXX with a late fee. The lender doesnt communicate info needed or process when he has information. Recently realizing that only by repeating texts/emails/calls, that responses will be made by company. I have numerous dates of signing promised, that hasnt happened and have asked repeatedly to inform me, when target dates do not happen. Worst costumer service Ive experienced. Nations lending corporate has been contacted multiple times and they dont respond either. Signing was said to be XXXX. Then XXXX. Failed to follow through. I told XXXX XXXX ( nations lending manager in XXXX XXXX Ca ) that if he doesnt follow through with his promises again, that Id go somewhere else. He said signing would be monXXXX or Tuesday XXXX. Its still not done. He told the previous lender today hed call me today. He didnt. I sent complaints today email/text. At XXXX XXXX  he emailed saying i need to make appt to speak with him. I responded with, when u break commitment, u should inform me of whats going on. Ive been treated very poorly by this company. If hed have been transparent, Id have went with another company.

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 2021-01-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company by the name Midland funding is trying to make me pay a death from over 7 years that dont be long to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had insurance since i was younger. I do not owe any medical debt and have tried numerous times to get this removed by contacting the collection agency, and the 3 credit bureaus. Still nothing. Time after time and they won't remove something that is not mine.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are 3 different accounts listed for XXXX and Experian I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is 9 however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. Experian shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

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 2020-01-22
Company: TekCollect Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 XXXX Of XXXX center for {$340.00} made efforts to explain situation with the company and that the debts were wrongfully charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. 

I have raised this issue with Capital One since the pandemic forced my company out of Business. 

Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. 

The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. 

The business is CLOSED. There is NO income. Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years? This is a predatory act on the part of Capital One that needs to be resolved ASAP. 

Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand.

Company response to consumer: Closed with explanation