BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: ID Analytics, Inc.
State: IL
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 aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and SAGESTREAM I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, our mortgage account was transferred from Select Portfolio Servicing, LLC to XXXX XXXX XXXX. XXXX XXXX XXXX have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet XXXX XXXX XXXX  are requesting an amount the does not comply with our contract. XXXX XXXX XXXX have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. OnXX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and XXXX  is seeking a sale date yet i have been making timely payments sinceXX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that XXXX XXXX XXXX  have engaged in Fraudulent banking and business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized/fraudulent charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed charges XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I have been served with a summons by their attorney and based on the " Fair Debt Collections Practices Act '' this collection is in violation of the FCPA. I attempted to contact the attorney, and submitted a copy of 3 letters previously sent to XXXX, presenting my concerns regarding the fraudulent charges and complaints filed with the credit bureaus. Their lack of response is very frustrating. I am in desperate need of your help. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.

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 2023-01-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
In XXXX, PayPal closed our account for high-risk and advised we would be able to withdraw the balance in XXXX  days. With no luck in appealing, we waited XXXX  days and on the day it was supposed to be available for withdrawal, PayPal deducted the whole balance claiming it was for damages caused to them. 

My colleague spent hours on the phone to support but didn't get any reason or justification for the alleged damages which according to PayPal were worth XXXX It seems PayPal is notorious for doing this to their account holders. It is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Southwest Recovery Services, Inc.
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: Account information incorrect

Complaint:
Reviewing my  XXXX  credit report and it is showing an account by  SOUTHWEST RECOVERY  SERVICES WITH REPRESENTING CREDITOR  XXXX   XXXX  I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY.  XXXX   XXXX  is also reporting on   XXXX    and   XXXX   and need to be deleted as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : 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

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 2022-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my account freeze. When ever I had not much funds they would penalize like XXXX dollars when it was put back almost immediately. Not recent I lost my card and I call to see if they can assist me with trying to get my money that was used and they did not believe me and I have stop using their service. My account remains open because is use to get my refund taxes and other payments. I for one have had the experience to deal with rude employers in total loss I would agree that tru out the years I been with them around XXXX that's on fees that sometimes I would get charge for not using the card. I never actually like the service I have a chase account currently.

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 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I made a wire transfer from my account at XXXX XXXX to Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Routing number XXXX Unfortunately, somehow the account number was trancated in electronic record, missing one last digit. The funds were disbursed, then returned back to my account, citing the wrong account. 

But not all funds have been returned. Bank of America subtracted {$45.00}, without explanation or notification. For what? The funds were NOT delivered, so it simply does not make sense. They provided NO service! 

It is outrageous that Bank of America can just arbitrarily take out any sum of money from the funds in another financial institution, without the owner 's approval or even notification. If this is not highway robbery, then what it? 

Shame on Bank of America.

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 2023-01-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor ; Midland Credit Management is attempting to collect a supposedly owed debt in the state of XXXX. However, according to XXXX XXXX XXXX, records show that they do not possess the proper license to collect debt in XXXX, which is the state I reside in. In the state of XXXX, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Early Warning Services, LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
So I was selling an item online and the buyer was asking me to use zelle so I proceeded to use whats best for the buyer little did I know things were a little off but I wanted to sell my product they buyer sent money to my zelle account then I receive an email saying that zelle is holding my funds when then it made me do steps to get my full asking price XXXX $ it said I had to send the buyer XXXX $ then I did but after 1-3 hours went by I checked my account nothing I then replied to the person then texting me step by step saying their servers were down. Then I thought oh Ill check when I get up to see if its there nope it wasnt then I was upset so I called my bank they said they couldnt do anything same thing with zelle I just want my money back and to never use either my bank I have now and zelle because they do not even come close to good care for anyone and I work hard for all the money I have and for me to be taken advantage of then none of the sources I used helped at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection was opened by Hunter-Warfield for the amount of {$280.00} on XX/XX/XXXX. The debt was regarding non-payment of rent for the last 9 days of my lease. My lease terms were that I paid 12 payments of {$670.00} and a security deposit of {$250.00}, starting XX/XX/XXXX, I gave receipts of all 12 checks and per my lease agreement those 12 payments covered me through XX/XX/XXXX. Upon moving out on the last day of my lease, a letter was sent in XX/XX/XXXXclaiming I owed the XXXX at XXXX {$280.00} for non-payment of the 5 days between the XX/XX/XXXX and the XX/XX/XXXX. They told me I had 14 days to respond before they sent the amount to collections. I immediately contacted their office and produced the receipts of my 12 monthly payments outlined according to my lease agreement, they claimed they would get back to me and since I had contacted them they would not send it to collections. I contacted their office again a few weeks later and they claimed they didnt have a copy of my lease agreement since it was a new management company in charge and that they would contact me with more information. I was then contacted by Hunter-Warfield sometime in XX/XX/XXXX claiming I owed {$280.00}, upon which i requested an official document with all the information regarding the debt and I have yet to receive any letter or information regarding the account status or debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: Account Control Technology, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2023-06-14
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via Zelle in order to process my submission. After they approved the application, they requested {$1000.00} sent via Zelle as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via Zelle before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via Zelle. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} Zelle request. I did not send any additional money and filed complaints and disputes with my bank, XXXX XXXX XXXX, the FTC, New York 's Attorney General 's office, and Zelle on XX/XX/23. None of the aforementioned parties have contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The following accounts below are listed as a Charge Off on credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BlueChip Financial
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: AL
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:
IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.

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 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity theft, someone earlier had opened a store credit card in my first name and my ex-husbnad 's last name. That name is not my legal name. A dispute was filed, complaints were mad to FTC, the clothing retailer the bank that handles their card. I received a letter in the mail on Thursday XX/XX/XXXX that someone tried to apply for a XXXX XXXX clothing company store credit card in that same name. The bank that handles their store credit card is Capital One. Of course, by security freezes and fraud alerts have been placed with the credit repoting agencies. So capital one has denied the application. I would like Capital One and XXXX XXXX to furnish me with information pertaining to the person who applied for this credit card in my first name and my ex-husband 's last name. The credit agency that handled this inquiry was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AXOS FINANCIAL, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every single year, Axos Bank is unable to obtain renewal information on my Homeowners Insurance policy and harasses me to provide the information directly to them. I have paid my homeowners policy and mortgage every single month on time. I have named Axos as the mortgagee on the insurance policy, following their instructions. Even after receiving threatening letters from Axos, I have provided the policy itself. Today, I received a letter that Axos was unable to update my insurance and " You must pay us. '' I do not understand how Axos is unable to properly service my loan by obtaining this information directly from Travelers. I have given all parties the requisite information. I request Axos cease mailing me threatening letters and that they review their internal policies and procedures for 1 ) communicating with customers and 2 ) tracking insurance policies on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan with Navient. Reviewing my account for the last year, they have not accounted for more than 6 payments I made in XXXX. I sent them bank records showing proof of payments and they only corrected XXXX XXXX XXXX months, but have failed to give me credit for most of the payments i made in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/2022 at XXXX PM The text said : TRUIST : ALERT! An unrecognized device attempted to access your online account. Please visit https : //truist-security.com/auth.php? 
secure-login & verify your identity to secure our online experience I do not have an account with this bank so I know its a scam

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