BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 my debit card was used fraudulently for a large number of purchase, approximately 29, and a dollar amount near {$5000.00}. I notified my bank when I discovered my account was overdrawn. I was never contacted by the bank as to unusual activity on my account or transactions that weren't consistent with my regular banking activity to see if I was in fact using my debit card for these transactions. When I asked why the unusual activity on my account didn't draw suspicion and the fraud department didn't contact me I was told because all charges were local. In the process of their investigation it was determined that some of the transactions were done by a family member who briefly stayed in my home and took the card without my knowledge. I was told if I filed charges with the police I would get my money back. I was given provisional credit after I complied with the banks request and filed a police report then a few days later the credit was withdrawn and the case closed. I was informed it was a personal matter and they could not give me my money back and I would have to personally try to get my money back from the individual involved. I never received any documentation from the bank concerning their investigation and what evidence they had that the individual identified had made all the purchases and why in a case of fraud I could not recover my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
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:
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XXXX and should have never been assigned to them for collection. XXXX XXXX XXXX is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXX after the account was discharged in bankruptcy.

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 2017-08-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. 
The company states they can continue to call me until I put it in writing. 
However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! 
I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. 
I just got another call this morning XX/XX/XXXX. This needs to stop. 
I have made a record of the dates and times they are calling and the numerous phone numbers used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX inaccurate XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} not mine XXXX XXXX   XXXX XXXX XX/XX/XXXX {$650.00} not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX {$320.00} not mine XXXX XX/XX/XXXX {$9600.00} not mine XXXX XX/XX/XXXX {$5000.00} not mine XXXX XX/XX/XXXX {$3100.00} not mine XXXX XX/XX/XXXX {$160.00} not mine XXXX XXXX XX/XX/XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} 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 non-monetary relief
Consumer complaint received 2018-04-19
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was forced into making a payment arrangement with M & T Bank when they knew my situation and they made it worse by returning my XXXX payment and making me enter into an agreement that they know I can't meet because I'm on a fixed income and I'm paid on the XX/XX/XXXX of every month. The arrangement they forced me into is a payment of {$490.00} on the XX/XX/XXXX of the month. I get paid on the XX/XX/XXXX of the month, how can I make payments on the XX/XX/XXXX? The original contract is for {$400.00} monthly. I should receive my lump sum check by XXXX or 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 2021-05-02
Company: EQUIFAX, INC.
State: MD
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need 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 2018-12-07
Company: EQUIFAX, INC.
State: OR
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:
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX  would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX  or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Convergent Resources, Inc.
State: AR
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:
XXXX XXXX reported to my XXXX and XXXX credit reports a collection account for XXXX on XX/XX/XXXX andXX/XX/XXXXof 2017. I was never notified of this account and XXXX XXXX has not provided any evidence that I owe this bill or that they have a legal right to collect it or report it. They are in violation of Federal law. My current and correct address has been the same for many years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I attempted to pay this medical provider last XXXX. NJ State law prohibits them from balance billing. Pressler & Pressler 's replacement firm, XXXX, XXXX XXXX   XXXX, which practices the same way at the same address and with at least one of the same people as Pressler & Pressler, filed a complaint and request for judgment.

1 ) I don't owe them this money.

2 ) They and their client know I don't owe this money, and it is in fact included in their supporting paperwork with the legal action.

3 ) Their client never cashed the first check I sent, but I have record of sending the check.

4 ) They are trying to say they can only put my case on hold if I pay them money, even when I inform them again that I do not actually owe them money.

5 ) My insurance company has confirmed I do not actually owe them money and reissued the check their client never cashed. 
6 ) They are claiming they can put the case on hold without notifying the court, which is untrue.

7 ) It costs me money in the state of NJ to file an answer.

8 ) I'm getting married on XX/XX/XXXX, and going to be out of the country. I am extremely stressed out and this is making my life unmanageable. 
9 ) This has already cost me a whole lot in lost opportunity and time.

10 ) I'm a health policy expert who actually knows the laws and my rights, and I am completely sure they are also doing this to other people.

11 ) Their paralegals are breaking the law on a daily basis, even with me.

12 ) None of their " lawyers '' will even talk to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
Dear Equifax , Inc., there has been an Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you. Upon receipt of notice will serve as I, XXXX XXXX ( XXXX ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( s ) ) in addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both Experian and XXXX refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked for verification of debt, received paperwork that does not constitute verification that the debt is mine ( ie just a print out with my name & PO Box on it, nothing to substantiate the debt belongs to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I filed a complaint with cfpb please reference complaint number XXXX. I advised you this account had been settled and deletion was agreed upon and yet equifax was still reporting. I requesting deletion I receive a letter dated XX/XX/2021 stating that equifax had no record of this account.but the account still shows on equifax. Please remove this account Ive attached the letter as proof from equifax stating they have no record of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: WELLS FARGO & COMPANY
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:
Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee 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 2020-08-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding my PayPal debit card account only. 

On XX/XX/2018 at XXXX XXXX PDT my account was hit with 33 separate incidents where funds were withdrawn from my PayPal account all at once, causing my account to go into a negative balance by - $ XXXX. The transaction details show this : Payment to : XXXX ; Debiting for PIN transactions that did not debit the Paypal account correctly from XX/XX/XXXX through XX/XX/XXXX. 

After speaking with PayPal, they admitted that their accounting system failed to collect on pending charges, which eventual were cancelled by the system. This error was discovered a few days before the " Balance Adjustments '' charges were processed. 

My problem is that my accountant shows that I have been double billed and that these subsequent charges are not ID with a location nor a vendor making it impossible to account for. The original charges from the XX/XX/XXXX/XX/XX/XXXX period DO NOT EXIST on the balance statements provided by PayPal online. 

They do show a lot of pending amounts, and then show the balance being put back into the account, but these charges do reflect on their online accounting balances, ONLY when you download the account activity. Therefor the balances never go up on the online accounting balances, only on the downloads. 

Many of these charges were ATM withdrawals which are typically not pending situation, where amounts are immediately subtracted from the balance. 

We have never seen the balance go up unless a customer made a payment. 

My accountant has also noticed that the ledgers have been changed for the same transaction on similar dates from month to month, and then significantly changed in XX/XX/XXXX. 

This questionable accounting of having two different ledgers that don't match my receipts and ledger leaves to doubt the validity of the adjustment charges. 

This has cause my business significant hardship because of manner in which PayPal had to cover their mistake. Did they not warn nor notify these error and forthcoming adjustments to my balance going to be made. The amount of these adjustments charges cover 3-weeks of income and spending habits nearly equals my monthly income and I unable to pay it back before they will be sending the account to collections. 

I have noticed that many have not only contested these charges but found discrepancies in PayPal 's month-to-month accounting where the amounts vary by thousands of dollars. 

This leaves me to believe that there is a systemic failure with the PayPal debit card accounting infrastructure. 

I have collected cases from over 30 other users and preparing to get legal class-action suit representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have 6 inquiries on my report. I contacted the companies to have them removed and they told me to contact the bureau to have this taken care of as they could not. I contacted XXXX  and they removed the inquiries within a week with no problem and I placed a fraud alert on all of my accounts.

I then contacted Transunion and they refused. Informing me that the companies had to do it. So they are sending me in circles with no resolution or willingness to assist me. Only refusal.

The companies are as follows : XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/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