BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In being very careful not to duplicate a complaint, this complaint is about a specific issue with this Banking Institution. This complaint is against Wells Fargo, and information uncovered in their response to a CFPB complaint, which was unknown by myself until their response. Through the response : ( 5 ) accounts in my name were listed on the response from Wells Fargo. When I began doing business with Wells Fargo, I opened a Checking Account and a Retirement Savings Account. However there were ( 5 ) accounts listed in my name. Who opened these other ( 3 ) accounts?? I should have ( at this time ) no open accounts with Wells Fargo. And I continue to await my {$8800.00}, which is owed to me by Wells Fargo. How is Wells Fargo allowed to stay in business with all this Fraudulent activity which they are involved in.?? Thus far, costing Wells Fargo 1.7 billion in Civil Penalty and 2 billion in restitution. Where are the Government Oversight Agencies, as this type of activity continues to take place????? And of course, I have no access to these other accounts opened in my name and without my authorization.

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 2019-04-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
one inaccurate bankruptcy chapter XXXX is reporting under my equifax credit reporting agency, this is an 100 % inaccurate information reporting under my name, i have submitted many disputes but no answer from them, this is very much disturbing. 
i have submitted my police report to them, last time o called and disputed they said it was verified in one day, i just would like to know how is this possible to verify an inaccuracy in one day. i have requested the method of verification several times, but they have not been helpful at all. they dont even disputed correctly and they play me around with they very bad customer service. 
please I am a very simple consumer and would like a justice in this case. i need your help in order for equifax to remove this inaccurate public records from their reporting thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America allowed XXXX XXXX XXXX XXXX XXXX to charge my Business Checking Account/Debit Card 11 times in one day on XXXX XXXX, 2017, totaling {$3300.00}. XXXX XXXX XXXX XXXX XXXX did not provide the services as agreed pursuant to a contract. Their cloud based service did not work as promised and continued to have endless glitches and issues. I was never able to get back into the program. It never worked. When my father XXXX unexpectedly and I was out of work due to XXXX and again had no access to the program they still refused to cancel. Instead, they said they 'll give me an extension and change it to my brother 's business and update the cloud to his information but those changes never came through. The program never worked at all. This company has a predatory billing practice. I sent them an email revoking their authorization to charge my card and they continued to charge anyway.

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 2023-03-21
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
For the last 5 days I've been trying to transfer my money from Paypal to my XXXX card and it won't let me do it I have contacted PayPal about this on ever day and they keep saying give us 24 hrs well the 24 hrs turned into over 100 hrs and I just got off with the supervisor for the third time and he said the same thing again to wait 24 hrs I really need the money transfer but they are given me the run around thank you a god bless you the amount is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Santander Consumer USA Holdings Inc.
State: CA
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Southwest Recovery Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. In XX/XX/2022 I used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to move from XXXX to XXXX, during the process they broke my XXXX XXXX XXXX Curved TV , which was worth {$600.00} 2. I requested a refund from XXXX XXXX XXXX XXXX for my broken TV 3. They ignored my request and refused to refund my TV 4. I requested a {$500.00} refund through my credit card 5. They immediately followed back and threatened me to send my info to the debt collector 6. I told them this is what they owe me because they broke my TV 7. On XX/XX/2022 I found SOUTHWEST RECOVERY SER opened a collection account under my name asking for {$500.00} that I do not owe to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NV
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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:
We received a credit alert and discovered a charge off collection item for XXXX apartments. We had left them in 2020 and paid all fees with our deposit. We were severely surprised to hear from XXXX that there was no debt owed. Then we spoke to Genesis credit management. They claim the debt was originated from move out. We have never been notified in writing or by phone in 3 years about any debt owed. We want justice served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified by a third party service that my account was closed. I havent used the card recently and when I called to find out whats going on I was told to call XXXX. They would obviously have no idea why the account was closed. When I spoke to a XXXX she said it had to do with my outstanding balances on other cards and my mortgage hasnt reduced this year. My family and I were affected by XXXX and our mortgage is in forbearance. My credit card debt did go up a bit around XXXX but Im making my payments and I just made really large payments that havent been reflected on my credit report yet. I personally dont think this is fair and Im really angry I wasnt notified by synchronyBank. Im not XXXX the card, Im not making an excessive amount of disputes or really anything to be considered a bad customer. Im terrified that my other accounts with SynchronyBank are going to get closed and no one at the customer care centers can help. Ive spent so much time trying to talk to someone and no one has any idea what to tell me. My payment history with the company is great and I rarely carry balance on these cards but closing the account hurts my credit unfairly.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is not reporting correctly on my credit report. 

XXXX, XXXX, XXXX 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 2020-01-27
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: GA
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 went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : 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 Please remove these. I contacted FTC and local police immediately also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NV
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:
XXXX, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s )  to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Paid a down payment, traded in a used suv. Wasnt offered insurance an the definition an purpose of finance charge. My car was crashed while parked an the drivers insurance refuse to pay for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Creditor did not provide me with my original instrument of indebtedness they did not provide me with my original contract and signature.

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 2021-11-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been trying to get in contact with XXXX funding for several months with no success. When I finally reached out to them, they informed via email that my debt had been sold to another debt collection agency. The original creditor was a credit card company. I tried getting in contact with the new creditor but have had no success. Out of the blue, I received notification that XXXX had filed a lawsuit against me, but never notified me nor tried to warn me of such a suit. A county deputy came to my mother 's house and provided my mother with the case number. I had to hire an attorney to represent me, causing me to spend money I did not have. I have depleted my savings because of this. I still have not been properly served, yet, the collections is still on my credit report, including the original creditor even though it's been sold twice now. The amount of the debt is {$740.00}. The credit bureaus have refused to delete this off my credit and XXXX has refused to send me any written notices nor respond to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from Synchrony Bank. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, XXXX XXXX, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.

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 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a dispute with XXXX XXXX of 2017. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX # XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.

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 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/14, I mailed a BOA check to the address below : Internal Revenue Service XXXX  XXXX, MO XXXX After receiving a letter form the IRS on XXXX that the check was not received, I logged into my BOA account to check the status of check # XXXX. In reviewing the check, I noticed that it was cashed by a Merchant   XXXX at a XXXX bank. I immediately called Bank of America fraud and initiated a claim. 
On XXXX, I went to the DC  Police department to open an investigation. On XXXX, I returned the claim form that Bank of America sent me that morning with signature and details. When I requested to be temporarily returned my funds, Bank of Americas fraud supervisor XXXX/XXXX  stated that this type of fraud doesnt allow Bank of America to return funds. 
As a customer, I should not be treated as a criminal. I am the only victim in this situation. Bank of America should have never honored a check written to the IRS and cashed by a bank. It is completely inappropriate for the customer to be inconvenienced when Bank of America didnt perform its fiduciary duties to protect my funds.

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 2023-03-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not agreed, nor aware, not informed or have evidence of this debt with XXXX XXXX XXXX and do not have a contract with I.C. SYSTEM, INC. They did not provide me with the original application or proof of this account like I have asked.

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