BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY. 

My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}. 

2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER. 

But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN. 

THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: United PanAm Financial Corp.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i went to XXXX XXXX dealership and purchased a used car. i was approved by united auto credit co. immediately i had a problem with the brakes and i went back to the dealership and they corrected this problem shortly there after with in XXXX days of purchase the car engine blew. i immediately called the finance company and spoke with someone from the legal dept. that sent me over documents to sign off and back out of the loan completely due in part to not having received the title. subsequently i recently pulled my credit report and i see that its showing on there as delinquent and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke with someone at XXXX who said that they were the manager, but i 'm not sure he was rude and nasty. He told me that my lender was lying and it was illegal for them to remove the collection from my credit report and it would be a {$10000.00} fine to do it. He also told me it could not be done because Fox did not own the account they were just contracted to collect. I asked it I could go back to the medical company and ask them and he informed me that XXXX had the contract and I had to go through them. The entire time that I was on the phone he was screaming and yelling telling me that if I pay my bills this would not be a problem. He did not want to hear anything that I had to say. I tried to explain to him that I was a single dad and I lost my XXXX year old son early last year and was XXXX for nearly a year and medical bill were the least of my problems.some the insurance paid the other 's were my responsibility. During my grief and illness I was in no shape to do anything. I found the strength to get things back in order and called fox to pay the {$200.00} and once paid asked if they could remove it from my credit report. That is all I want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18
Company: First Data Corporation
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.

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 2016-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this LVNV Funding LLC XXXX XXXX account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX  because of this collection that is not mine as explained to both XXXX and LVNV funding since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but XXXX XXXX approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by LVNV Funding. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and LVNV funding started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?

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