BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX : I informed XXXX XXXX  in writing that they should close my ( XXXX  ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from XXXX XXXX  to an external account|Account balance : {$0.00} ... ... XXXX : XXXX XXXX processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX dollars.XXXX XXXX added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : XXXX XXXX processed and rejected the same charge ( XXXX ) ... ... XXXX : XXXX XXXX  added earned interest ( XXXX cents ) to the account.|Account balance : - {$49.00} ... ... XXXX : XXXX XXXX  processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : XXXX XXXX  processed and rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : XXXX XXXX  adds {$15.00} maintenance fee.|Account balance : - {$130.00} ... ... XXXX : XXXX XXXX adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX : XXXX XXXX submits {$140.00} bill to collections, closes account.

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 2020-12-20
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:
I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus Equifax, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX  XXXX XXXX XXXX Midwest Recovery Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: U.S. BANCORP
State: CO
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 opened a new card to get a balance transfer. Balance transfer check was not sent out until 3 weeks after the application and to the wrong account. They could not tell me what account it was sent to. I was charged the application fee and responsible to pay for the balance transfer that I did not receive. I call multiple times and was told to just wait until the end of the month before I discovered it was sent to the wrong account. They said I would have to wait 60-90  days before the funds would be returned and that I had to pay for the transfer in the meantime. US Bank has been the worst customer service by a credit card Ive ever had.

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 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Someone not authorized by me entered in my business account at XXXX on XX/XX/2021, with my User ID and Password XXXX XXXX XXXX XXXX  ( XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX ) in direct pay, few day after on XX/XX/XXXX and XX/XX/2021, there were two withdrawals of {$24000.00} and {$24000.00}, by multiples payments for a total amount of {$49000.00} : I made the report on XX/XX/2021, to WELLS FARGO fraud department and on XX/XX/XXXX, they deny my claim alleging that me or someone authorized by me made these transactions, what is absolutely false its a FRAUD, after receiving this response from the bank i made a police report then i give it to the bank making a new claim. 
It should be noted, i never received any mail, text message or alert about this transaction

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 2018-07-16
Company: Rocket Mortgage, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2017 Quicklen Loan gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LDF Holdings, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One credit card inquiries found on my credit report x 3 different occasions- XX/XX/21, XX/XX/21, and XX/XX/21. I have never attempted to open a Capital One account therefore this is fraud. I recently experienced this same fraud issue with a different credit card company ( was reported to XXXX who performed investigation and in fact determined it was fraud ) so I know someone has been attempting to open credit cards under my name. I did report issue to Capital One and was told that they could not do anything at this point due to the fact that the accounts were not opened ( only attempts made ) and instructed me to report this issue to all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.

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 2017-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance Corporation ( XXXX ) failed to honor a reaffirmation on my auto loan following a XXXX bankruptcy filing ( dischargedXX/XX/XXXX ). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects DFD/DLA of XX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint against CAIN & WEINER AND XXXX. 

CAIN & WEINER AND XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to CAIN & WEINER AND XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND to delete this account/item within 4 business days CAIN & WEINER AND XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) CAIN & WEINER AND XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: MT
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 not apply with this companies : 1. XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Date : XX/XX/XXXX 2.XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX 6. XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7.XXXX Inquiry from XX/XX/XXXX - Bank This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX, OH 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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Contacted this company back in XX/XX/2017 about debt of XXXX and ask the company for proof that I owed them this money the representative was very nasty to me and said I need to learn how to take care of my debt and I said I dont owe u all this money I ask for them to send me a copy of the use on the card and they sent me a copyed bill with just the amount of XXXX and not what the card was used for than three days later the company kept calling me asking me when am I going to pay the debt I said u all did not provide me with proof of XXXX used their was no trans actions for this kind of money and the ladie said thats not my problem thats your and we will find out who you work for and garnish your check

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX and I am submitting this complaint against Equifax Information Services, LLC. There is no third party involved in this complaint. I am demanding that Equifax Information Services, LLC provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Equifax Information Services, LLC provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Equifax Information Services, LLC has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Equifax Information Services, LLC have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened a college account in Wells Fargo XXXX in XXXX as a recommendation of my XXXX student ; : s program at XXXX University. Since I came back XXXX XXXXXXXX I decided to keep my account open free for transactions. For years I ; : ve kept the account with no activity or funds becoming dormant. In XXXX XXXX  XXXX to reactivate it, Ive sent a letter with updated personal information to Unclaimed Property Department of the bank with copies of passport, social security number, payment checks, all documents asked as the instruction process. Wells Fargo promptly reactivated my account and I was free to use it. Even thought my debit card was expired and I didnt receive a new one on my billing address, at that time I could access my account from online banking. However, since XXXX after I made a transfer of XXXX dollars from XXXX to my checking account at Wells Fargo, with the intent to transfer to another XXXX account, my XXXX checking account. After that, all services were blocked and I didnt have access to my funds. In those XXXX years Ive tried to solve this situation by phone. Ive tried to buy an XXXX XXXX XXXX, to register an XXXX phone number to be verified, to ask for a cashier 's check in my billing address and any other possible solution. Today in contact with WF costumer service I was notified that the only way to access my funds was going to a branch personally, which is impossible for me right now living in XXXX. My account is completely blocked without a reason. 

For this reason I'm respectfully asking for XXXX bank regulator your intervention.

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 2017-10-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account at HSBC that I funded in the XXXX 's. My branch is located in XXXX XXXX, Florida. A few years back HSBC decided to close my account. Upon closing they gave me a check in the amount of over {$100000.00} for the balance in my name. The issue is that they would not wire the money to my foreign account, as I am a foreigner, and when they cancelled my account it made it so that other banks in XXXX will not open an account for me. Therefore HSBC has been holding on to my money for years and refuses even after being contacted by my attorney to wire my funds to me. HSBC can not dictate how I receive my funds, and if they are allowed to only give me a check I may never receive these funds. I have not only lost these funds but the interest and growth from its use so I am substantially damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They called me about some debt I do not have. Called all my kids and my husband saying they were going to issue a arrest warrent if we dont pay by today. Called from a XXXX number saying Bank of America on caller id, I have never used them. but tells you to call XXXX which no one answers and just empty voice mail. They upset family members with their threats.

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 2017-10-26
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or  to call an unknown number with an account #? We never got served ... nor did we called that number. 
The only money we owned is a medical bill due for {$78.00}. 

Please let us know if you could help us. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, XXXX XXXX sold my debt to LVNV Funding LLC. I received a letter from XXXX XXXX after filing a dispute that the account should not have been in collections and as a result they removed trade line from my credit. They also stated that I should reach out to LVNV Funding to explain and provide the letter so that they can cancel the trade line. LVNV refused to acknowledge what happened and refused to do anything about it. I would like for the LVNV to remove the trade line off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.

Company response to consumer: Closed with non-monetary relief