BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: IA
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 violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-08-07
Company: LEXISNEXIS
State: UT
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 AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND XXXX AS WELL AS NEXISLEXIS TO RESOLVE THESE MATTERS SO NO RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Wells Fargo Bank has my credit card mark as a late payment back in XXXX I called them to alert them to ask for a extension to pay the bill at a later date, Wells Fargo ok that I can pay the bill 20 fays later. And which I did, Next you know they mark me as a late payment. I would like to get that situation cleared up.

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 2022-04-27
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with this company back in XXXX, XXXX. For the amount of {$2000.00}. The company deposited {$500.00} into my account and kept {$1500.00} in their savings account. I was told I would have access to this money, once I paid off the rest of the loan in full. I paid off the remaining part of the loan on XX/XX/XXXX. When I paid it off, I was told I would not have access to the savings until the payment was processed. The payment was processed two days later ( XX/XX/XXXX ). From this day after, I have tried to withdraw my money, however within 24 hours. The money is always returned to the Seedfi saving account. I have reached out the company multiple times. They told me to wait a week for their system to update, then I will be able to withdraw the money. I have waited a week and my withdrawal is still not working. The money is still being deposited back into my account. I think the company is trying to keep my money, in order for me to take out another loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The company Kohls department store reported negative information to a Kohls account that I was not informed about and was not aware  of ; Approximately XXXX XXXX for an amount of {$67.00} ; as it turns out they had no email or phone tied to the account/database ; I only found out about this activity due to credit monitoring with XXXX. 

The company admitted to me that none of my contact information was in their database ; I attribute this issue to stolen account information with a combination of corrupt and improper management of their data, which was in my opinion was obtained by others.

I contacted Kohls and they could not obtain my account information. They did give me the last four characters of the account number which is also on the XXXX  report ; the account number is  XXXX. 
The account has been closed to insure not additional fraud occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection showed up on my credit report. Its for {$600.00}. I do not have any debts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. 

PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. 

I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. 

PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I haven't spoken with the company about this matter, I only remember them from an issue over a medical bill I didn't owe before. They call every day at different times. They keep my caller ID filled with calls but never leave any information. They don't leave a message and they haven't sent me any information in the mail about their reason for trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion published a negative report on my credit report provided by a collections company called XXXX XXXX XXXX XXXX This collections company provided a report that is untrue and unverified by them. There are no court rulings or any other proof of this debt, which they claim is in the amount of {$340.00}. I do not understand why TransUnion would publish this without proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. I get other people 's debts assigned to me periodically by collection agents when they can't find the right XXXX XXXX. A collection agency XXXX XXXX XXXX assigned an account to me that isn't mine. Either they have the wrong XXXX XXXX, or this is a case of identity theft where a customer used my ss # to get a account with XXXX. I do not have XXXX, nor have I ever used XXXX over the last 10 years. This alleged debt only appears on my TransUnion credit report, and not on the other credit reporting agencies. I have NO late payments, and NO collections on my report other than this alleged debt.

Company response to consumer: In progress
Consumer complaint received 2023-08-05
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Attached is a adverse action letter that could be a virus, I have need to apply for something at Westlake financial and need this removed of my record Adverse Action Notice Thank you for submitting your request for a pre-qualification! 

Based on the information provided, Westlake could not provide you with any pre-qualification options at this time. 

Please give us a call and one of our friendly Westlake representatives will be glad to help you. 

Attached is the letter explaining the reason why no pre-qualification options were available. Your password for the attachment is Date of Birth year e.g XXXX 

Contact Us on : XXXX Terms and Conditions This message was sent to XXXX as an information message This message was transmitted by : Westlake FinancialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email may contain privileged or confidential information. If you are not the intended recipient, notify us immediately at XXXX. 

Do not disclose the contents to another person. You can view our Privacy Policy online

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 2022-04-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BMO stole from me. They re arranged charges throughout the week to justify stealing money that was refunded to me. The merchant that gave the money back has record of the refund but BMO does not have record of the refund because they adjusted the account transactions in a very sneaky manner. I have called the bank with the merchant on the phone and they started an investigation however refuse to provide a provisional credit so that I can pay my bills. They stole from 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 2019-11-18
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX on my personal cell phone. I didnt recognize the number so I didnt answer. They did NOT leave a voicemail. Moments later the same number called my work and women on the phone explained that she was trying to collect a medical debt. I explained that I can not receive calls at work and she needed to contact me at home. I then hung up the phone. She called back immediately and asked to speak to the HR department. I told her she was out of line and hung up on her again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I returned a message left for me to XXXX, XXXX, XXXX XXXX. I spoke with an account representative who identified herself as XXXX XXXX. Ms. XXXX indicated that she was contacting me regarding an alleged debt owed to Wachovia/Wells Fargo Bank. She stated that the account was in pre legal status and would need to be paid immediately to avoid any further legal activity. When I asked for proof of the original balance Ms. XXXX stated that information would not be available to me unless it was taken to legal action. At first she stated that the current balance was owed was {$1100.00} but would settle for {$790.00} and then later said she would agree to settle for {$680.00}. At the time of the phone conversation, Ms. XXXX emailed two settlement letters 20 minutes apart from each other on one it states balance owed as {$1100.00} and the second states balance owed as {$1400.00}. She told me that legal action could be pursued, I could be charged with fraud, my credit would be affected, and that this could be reported to XXXX XXXX. Ms. XXXX told me that the large balance was due to interest and fees accumulated over time. The account I believe that this company is trying to fraudulently collect on is now a zombie debt. I had a checking account with Wachovia/Wells Fargo Bank with the last activity date being sometime in XXXX or perhaps prior to that. I was contacted by a XXXX XXXX XXXX in XXXX regarding the same matter and indicated to them in certified mail that they were illegally attempting to collect on a debt that in the state of Virginia had reached the statute of limitations and to stop all contact. The account was to my knowledge originally, an unpaid approximately {$80.00} debt owed to Wachovia/Wells Fargo Bank. Due to inadvertently closing the checking account with one check not paid with a returned check fee. I received another letter today XX/XX/XXXX from XXXX, XXXX, XXXX XXXX demanding a balance to be paid of {$1400.00} and again threatening possible legal action. Under the Fair Debt Collection Practices Act XXXX, XXXX, XXXX XXXX are illegally calling me, threatening me with possible legal action, as well as being dishonest about balance owed. The statute of limitations has expired and this should be noncollectable and this company is breaking the law.

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 2023-11-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dispute for the account with MIDLAND CREDIT MANAGEMEN that starts with # XXXX has been received and should be completed by XX/XX/XXXX. 

Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number XXXX MIDLAND CREDIT MANAGEM Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2300.00} Highest balance - Original creditor XXXX XXXX  Original account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or about XX/XX/2020 I cancelled credit monitoring with Experian. I received a refund of {$24.00}. I was charged {$27.00} today, XX/XX/2020 for membership which I did not authorize. Looking back through my bank activity I noticed I was also charged {$27.00} on XX/XX/2020. I called Experian today, XX/XX/2020, and they cancelled my paid membership and changed it to a free membership. The Experian agent said she could not credit my card for the membership but, instead, would need to contact my bank and dispute the charge. If that is true, which I doubt, why were they able to issue a refund in XXXX, 2020? 

Because this has happened multiple times I am submitting this complaint as I do not have confidence that canceling my membership will not result in future charges. I should not have to continually monitor my bank account for unauthorized Experian charges.

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 2023-08-05
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23. XXXX was stolen from my cash app account.. while attempting to send my son money. I have tried to get my bank to help. I have contacted the Department of consumer affairs. Im hoping to get help in this matter. Im attaching a document. 

Thank you, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from portfolio recovery for an electric bill ( XXXX XXXX i guess but I am unable to get an account # ) utility bill that I had that is from well over 10 yrs old ( XXXX ). They call over and over all day long I block the number they call from a different one. And the send me mail all the time. It just will not stop. 

They also keep calling a XXXX XXXX account from ( XXXX ) Both of these accounts were from a prior marriage and when we separated I left the home and left the electric on and cut my card up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access online banking properly. I found out a fraud transaction on the account later when I have to go to another branch and go over all my transactions. At that time, I wasn't trying to use the account or the debit card since it won't go through at ATM, so I wrote the pin on the card. 

I lost cards, new XXXX XXXX cellphone, charger, adapter, clothes, bracelet, etc. around that time with a police report. I couldn't do anything with no access to get back to normal, missed out a lot of things, checked in hospital for an XXXX  still suffers pain on my hand and knee. 

The bank won't consider anything, but what they said is unreasonable, not to consider my complaints and just closes it. When I ask them to provide proof of who authorize it, they keep saying emailed me, but I didn't respond. They repeat the same thing with no documentary proof, recording or photo copy of anything, yet they could easily stop it by suspend the transaction. 

It's a horrible banking practice with such abusive, irresponsible, bad altitude to a long time customers. Hope the person who responded to last complaint not to mistreat customers with wording but with good faith and solid proof!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.

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