BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The two accounts that I disputed earlier remain on my report. I told XXXX that the account does not belong to me and needed to be removed from my account. 
After XXXX 's investigation the accounts still remain and are having a negative impact on my credit score. 
I have never done business with either one of these companys. 
I requested in my dispute for these companys to provide written documents, contracts and or anything with my signature on it disputing otherwise. 
I know that was not done, because those documents dont exist. 
But yet the items were not removed from my account and cont to have a negative impact on my credit report and score. 
This process has failed if all XXXX does is ask the said companys if the account is mine, then they say yes cause its in there best interest. 
Then XXXX takes there word for it with out any written proof. 
And tell the customer the dispute is over just to get a 30 day result. 
This is not fair. I feel cheated. 
These are not my accounts, I said that before and like I also said. 
There is no written contract or anything that says otherwise I just ask for a through investigation and written proof that was used to link me to these accounts. 
Because I guarantee that there is none. 

Thank you

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 2020-11-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I went online to clear my email then notice I had a correspondence from Wells Fargo that they had to transfer monies because my account was overdrawn. I found that to be strange because I new I had more than enough funds to clear the checks I sent out for bills. When I logged into my account I saw '' EVERYDAY CHECKING Account ... XXXX XXXX Available balance '' My mouth fell to the ground. I logged into the account this is what I saw a bunch of with drawls in on XX/XX/2020 .CARD PURCHASE XXXX ( not my debit card ) in different amounts until my account was emptied and the checks I wrote they charged me overdrawn fees. 

Mind you this is about XXXX XXXX  the night before XXXX zero monies in my account.l I called the to file a fraud claims, I was given a claim number XXXX A total of {$2000.00} was taken from my account plus {$25.00} in overdrawn fees. I spoke to someone they said they would call me back it is XXXX XXXX  XX/XX/XXXX. 2020 and no one has called me back. This is wrong, disgusting, disrespectful How Wells Fargo has treated me.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

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 2018-04-05
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Honda Financial Services dba AHFC absconded my vehicle on XX/XX/XXXX and XXXX   were informed. This was a holiday weekend so on Tuesday, XX/XX/XXXX I contact AHFC @ XXXX spoke with their representative and I stated : " this was my first time ever so what did I need to do to get my vehicle back? '' Their employee stated : " I would have to make a payment for the remainder of the loan, including repossession cost and for the title of the vehicle in the amount of {$25000.00}. '' This is on a recorded conversation. There was no deadline date mentioned. I agreed and accepted those terms and sent them a " tender of payment '' in the amount that was asked for. {$25000.00}. Called to verify if payment was received several times. They had transferred my vehicle outside of New York State, sent off to another location somewhere in Pennsylvania, claim no payment was received or posted and I had missed the " deadline date. '' Yet, HONDA still asked for payment in full. I resent the payment and verified by tracking numbers : XXXX, XXXX, XXXX and XXXX, verified " DELIVERED '' at both business locations in XXXX, Delaware and in XXXX, California where the Chief Financial Officer is located, including payment sent to the IRS. Payable to the order of : UNITED STATES TREASURY. HONDA has not honored the agreement and I still don't have my vehicle. The terms for the lease agreement changed when they accepted the " tender of payment '' made within a 16-month period and chose to close the account 25 months earlier than agreed upon as stated on my credit report. The " Right to Cure '' never took place. HONDA proceeded to repossess my vehicle, for the terms of the lease agreement had ended but, a new contract made by HONDA. The new contract was made for the remainder of the balance of the loan, the repossession cost and title in the amount of {$25000.00} and they received it. The full payment for the title as they requested on XX/XX/XXXX was met. Payment was sent in a timely fashion and HONDA has dishonored the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
IwasnotifiedviaemailalertofdisputeresultsaftercontactingXXXXXXXXtodisputeanunauthorizedinquiry.Afewdayslater,ExperiansentmeDisputeResultsindicatingXXXXXXXXXXXXisUPDATED.andtwoseparateentriesonpages3-4arereinsertedafterXXXXwasDELETEDonXX/XX/XXXX(Report#XXXX).ThisentryappearsasifitistwoindependentaccountsbecausethebalanceinformationindicatesXXXXwithadatepaymentreceivedonXXXX(pg3),andXXXXwithadatepaymentreceivedXXXX(pg4).Documentsattached.

IwroteEXPERIANonXX/XX/XXXXinformingtheCRAthatIreceivednonoticethisitemwasre-insertedanddisputethevalidityofinformationandalsoindicatedIamnotprivytoanydisputeinvolvingthisitemthatwaspreviouslydeleted.Supportingdocumentationwasprovided,includingacopyofaswornaffidavitofdenial.

PriorcommunicationswithXXXXindicatethereisnobindingcontractandIwasdeniedanopportunitytoinspectanyinstrumentthatcanproveindebtness.XXXXalsorefusedtoacceptpaymentinfullinexchangethePAPER(note)thatholdsmeaccountablefortheallegeddebt.

AnyreferencetoXXXXXXXXXXXXshouldnotappearonmypersonalcreditreportbecauseitwaspreviouslyDELETEDbecausethedatacannotbeverifiedasoutlinedintheFairCreditReportingAct(FCRA)andassuchviolatesmyrightsasaconsumer.ThereisalsoquestionablebehaviorsthatmayalsoviolatemyrightsunderFDCPAforunfairreportingbecausecounselforXXXXintentionallydeceivedmeviatelephoneandanelementofharassmentand/orintimidationoccurredbeforetheircourtactionwaswithdrawnforalackofevidenceandnotserviceastherecordsindicate.

EXPERIANrefusedtoremovetheitemsindisputeandrejectedmyrequesttoblockthisitemfromcreditreporting.TheitemwaspreviouslydeletedandIreceivednonoticeofre-insertionasoutlinedinFCRAsection611andIdemanditbepermanentlydeletedandblockedfromreappearingonmycreditreport.XXXXandXXXXarenotreportingthisitem,onlyEXPERIAN,indicatingitsaninternalproblemwiththiscreditreportingagency.

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 2018-04-04
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Last year in XX/XX/2017, someone called me from the XXXX XXXX County Office ( XXXX ) and informed me that I have a warrant for my arrest. She told me to call ( XXXX ). I spoke to a woman who called herself Investigator XXXX from XXXX XXXX XXXX. She told me this was the District Attorneys Office in XXXX and it was regarding their client XXXX XXXX XXXX. In order for them to stop proceedings to have me served with court papers, I need to make payment arrangements with them that day. She had called on my cell phone while I was at work. Under duress, I gave XXXX XXXX  my credit card information. I asked for a receipt, which I was told, that she was to email me. That never happened ; I looked at my XXXX  statement and {$420.00} and the following month {$320.00} was withdrawal from XXXX XXXX ( aka NATIONAL MANAGEMENT RECOVERY CORP ). I have never heard of this company until they came on my statement. My oral conversation was with XXXX XXXX XXXX, and never XXXX XXXX. I had written a complaint before about this company. They replied and claimed my allegation was false. After reading some of the complaints from XXXX XXXX XXXX ( XXXX ) regarding National Management Recovery Corp, some of the complaints are similar to incident I had went through with them. I have never given my credit card information to XXXX XXXX, or National Management. I spoke to one person from XXXX XXXX XXXX   named Investigator XXXX that has a XXXX prefix. Since XXXX XXXX office is in XXXX XXXX Florida, and XXXX XXXX XXXX number was based in XXXX, how did I call XXXX XXXX ( National Management Recovery Corp ) from a XXXX  prefix when they are based in Florida? How did they get credit card information, and I have never spoken to anyone from their office? XXXX XXXX   claims they never utilize tactics I had mentioned, yet they have falsified, misrepresented themselves ( XXXX XXXX XXXX ) threaten me with a warrant ( Investigator XXXX  w/ XXXX XXXX XXXX ) unauthorized withdrawal from my debit card, and claim to be another company. I filed complaints with the XXXX in Florida ( Case # XXXX ) with the Attorney Generals office in Florida, and The Florida Office of Financial ( Case # XXXX ). I hope something can be done. They are scam artists and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XX/XX/XXXX and XX/XX/XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to  make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.

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 2020-09-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute the late payments on Ashley XXXX Synchrony bank, not late as reported.

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 2017-09-16
Company: EQUIFAX, INC.
State: NJ
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:
According to equifax 's online check to see if my identity was compromised, they informed me that I was a victim of this hack. Screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.

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 2020-09-01
Company: SYNCHRONY FINANCIAL
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In XX/XX/XXXX I applied for a savings account with XXXX XXXX XXXX and in the denial letter it referenced it was based on information from Consumer Reporting Agencies XXXX and XXXX XXXX. I requested my report from these companies but didn't see what the problem was. In XXXX I applied for a savings account with XXXX XXXX and XXXX and was denied by both. They both relied on XXXX XXXX   and XXXX stated that my score was XXXX based on a range of 100 to 899 which was a shock. 

I obtained my report from XXXX XXXX which was easy to read and the only problem was that there were 16 inquiries in the last 3 years by Synchrony Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These were also on the XXXX XXXX report. 

I have a savings account, 14 active CD 's and CD 's that have matured with Synchrony Bank. What I didn't know was that every time I purchased a CD an inquiry was sent to the Consumer Reporting Agencies and that is viewed as a major bad thing to have so many inquiries by banks I was attempting to open a savings account with. 

I contacted XXXX XXXX and was told that the best way to resolve my problem was to contact Synchrony Bank and request that the inquiries be removed. I called their help center and was told that they had to do the inquiries because of the Patriot Act and that that was the way it is. 

I then wrote a letter on XX/XX/XXXX to Synchrony Bank explaining the situation and that I could no longer open bank accounts because of their inquiries and asked them to remove them. 

Today XX/XX/XXXX I received a phone call from XXXX XXXX at Synchrony Bank Complaints Department and I discussed with her the problems these inquiries were causing and even though I had done nothing wrong I can no longer open bank accounts. Her reply was they could not remove the inquiries because they were bank procedure. When I told her these inquiries were no longer needed by Synchrony Bank her reply was that they wouldn't remove them again because of bank procedure and if they did it for me they would have to do it for everyone. 

Please note because my wife is listed as co owner of the savings and CD 's she has the same Synchrony Bank inquiries at the Consumer Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2017-08-06
Company: EQUIFAX, INC.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX i filed for Chapter XXXX Bankruptcy, 4 years later i still was struggling and became homeless with XXXX children, it was at that time I converted my Chapter XXXX into a Chapter XXXX Banruptcy in XX/XX/XXXX which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the XXXX credit agencies, XXXX, XXXX and XXXX which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically Equifax as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why Equifax keeps doing this even after i have continued to provide documentation to the to correct these errors..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I HAVE BEEN USING PAYPAL TO CHARGE TO MY CLIENTS BY A SMART XXXX DEVICE. I DO WORK IN A XXXX XXXX AND SINCE XX/XX/2019THEY REFUSE TO GIVE MY MONEY $ XXXX AND THEY HAVE BEEN CUSTOMERS ASKING FOR REFUND TO TAKE MY MONEY SLOWLY THEY TOOK $XXXX
PLUS $XXXX  PLUS XXXX 

THEY REQUEST FOR MY ID OR LICENSE DRIVER, I SENT TO THEM AND THEY SAY IS STILL IN REVIEW. 
I HAVE BEEN CALLING SEVERAL TIMES AND WHEN I GIVE MY PERSONAL INFO 
THEY HANG UP ON ME. 
I HAVE BEEN TRYING TO GET MY MONEY EVERY SINGLE DAY CALLING, LEAVING MESSAGES AND THEY REFUSE TO GIVE ME MY MONEY 

MY INFO 
XXXX
XXXX XXXX XXXX XXXX XXXX  NC XXXX
XXXX.XXXX.XXXX
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, Barclays Bank - Delaware requesting that the account # XXXX since XX/XX/2012 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job and the consistent lack of credit extension to me by potential creditors. Barclays Bank - Delaware must delete this erroneous information from my credit reports with all the Credit Bureaus with immediate effect. 

Thank you, 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 2022-03-29
Company: General Motors Financial Company, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GM Financial has continued calling after rectifying the situation and settling the debt. Pleading with them to stop calling has not helped. Abusive, unprofessional, and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has repeatedly called relatives about my credit cards. When calling, they discuss the card account and the reason for calling which is ILLEGAL. XXXX XXXX has my current address and phone number and has no reason to contact third parties regarding my card accounts. All phone numbers beside my own personal cell phone number should be placed on a do not contact list. XXXX XXXX is using illegal tactics and information sharing.

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