BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: WLCC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have asked to have recurring payments removed my account, Ive asked through email and phone call. The lender states that they have done it and payments continue to be automatically processed. 
Ive sent email on XXXX,. 
On XX/XX/22 they replied they were processing my request, on XX/XX/22 they said it was disabled. XX/XX/22 they replied it was disabled, XX/XX/22 they replied it was disabled. Auto debits were processed on XX/XX/22 and XX/XX/22 and website still shows Im set up for recurring payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted RMP services on XXXX17 - and spoke with a representative, I advised them that I had medical insurance coverage at the time ( that is still active ) through my employer, and that I had provided the emergency room registrar with that information. The representative stated that she did not believe me and did not care even if that was the case, that I needed to give her my bank account or credit card information and pay it myself. 
I told her that I pay a large amount every paycheck to have the XXXX XXXX XXXX XXXX coverage that I have, and I am not liable for this fee, it was covered, and that I have my insurance card info so they can bill my insurance company appropriately. 
She said that they do n't do that there, and that the only kind of cards they take are credit cards, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXXS account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX & XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2022-02-03
Company: EQUIFAX, INC.
State: TN
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 have sent letters into XXXX, equifax, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am not past due on my mortgage and I attach again their representative sent me an email verifying they doubled my escrow balance and owe me a check for {$12000.00} I still have not received my check and would like my check immediately!

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 2021-08-23
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complete Credit Solutions who was previously notified the supposed debt is NOT mine.I demanded they validate this debt and provide the original contract with my signature on it which they have failed to do.

Where is the original contract with my signature on it? I have stated multiple times this debt is not mine. They claim this supposed debt is over 8 years old ( well beyond the statue of limitations ) without providing any ORIGINAL SIGNED AND DATED CONTRACT yet they have it on my credit as a debt from XXXX. They claim " Our records indicate the agreement between XXXX XXXX/XXXX XXXX and XXXX XXXX was executed on XX/XX/XXXX. The last payment date was XX/XX/XXXX, and the last payment amount was {$18.00}. The first delinquency was on XX/XX/XXXX and the charge off date was XX/XX/XXXX. '' So the last payment date and first delinquency are almost a year apart? Where is the documented contract with my signature on it? 

Throwing out some random account number and dates does NOT prove this account is mine as anyone can make this up, still NO ORIGINAL SIGNED AND DATED CONTRACT PROVIDED! Also, I was not living in the US in XXXX and XXXX which is another reason I know this debt is NOT mine. I lived overseas during that 2 year period so there were no new accounts opened at all. 

This has been an ongoing issue for years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

Again, They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. Years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations.

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 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One will hold my credit card payments and assesses my fees later than expected/communicated within disclosures. I have made payments on the weekdays before processing times of XXXX on multiple occassions in past, and the payments post same day, and show as cleared from my bank. Those payments in past with Capital One would go through and become available same day. More recently now Capital One has started to hold my payments for 2-3 business days, and most recent they have communicated they are holding my funds on my payment for 8 business days and will not update my available balance. This has happened on smaller amounts $ 50- {$200.00} and now more recently a XXXX charge. The funds are showing as cleared from my bank that I sent them from. The representative of Capital One XXXX refused to provide options at first on the release of the funds and kept only repeating processing times. Kept avoiding their job because they " didn't feel respected '' because i'm asking the question " why did things change. " Then attempted to argue with me when I asked for different information and not just the processing times. The Capital One representative continued to act smart and try to provide limited information until I kept asking for other options. They never giving a clear explanation on why it would happen, just that the " systems do it that way '' which raises questions to Capital Ones XXXX they use for processing and the impact it has on other borrowers. I never had the issue barely a year ago and now it happens frequently. Capital One will also wait to assess fees and interest to my account past the 4-business day assessment. How is this fair? I have noticed that I will make a payment by the XXXX. Not including non-processing days/weekends/holidays. 

Example I have of this. In XXXX, I made my payment on XX/XX/XXXX to Capital One for {$350.00}. My payment date is communicated as XX/XX/XXXX, with 4-business days. I noticed in XXXX that something seemed off on the assessment of payments and fees, because there is a lag. I took a screenshot of my account latenight on XX/XX/XXXX and the interest had yet to be assessed. Seeing the interest was not assessed I tried to process another payment of {$25.00} on XX/XX/XXXX. Once I made that payment, no update. Then I went back in early morning XX/XX/XXXX the fees showed as if they had posted on XX/XX/XXXX with everything else. All day I could not see the fees and then they update on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On X/XX/17 my account overdrew however I had the funds in my savings account to cover the transaction. Wells Fargo then charged me a XXXX overdraft transfer fee since they moved the funds from my savings account to my checking account. Then I had a transaction that hit my account which caused my account to overdraw once again and was charged a {$35.00} overdraft fee. Upon calling the bank, I was transferred to a different department where I voiced my concerns. Upon threatening to report to CFPB the rep didnt even know what I was talking about. She placed me on hold to notate the account then she then proceeded to tell me about the convenient services that I was signed up for and explained the fees. I told her it was n't very convenient beings that I was being charged to move my own money from one account to another. At that point I removed overdraft protection from my account and the rep agreed to waive the {$12.00} and half of my over draft fee. I told her I wanted the whole fee waived since I would have never had it in the first place if I wasnt charged the XXXX. She would not agree so I asked for her supervisor, she stated that she was the highest level of personnel I could get, I did mention that it was sad since she didnt even know what the CFPB was and that I was still going to file the complaint.

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 2022-07-06
Company: CBC Companies, Inc.
State: OH
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:
Placing a hard inquiry on my credit report without my knowledge. There are several hard inquiries on my report that I did not approve. 
Also a hard inquiry showed up on my report and I did not submit any report with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my XXXX and Experian credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report Case Number : XXXX. Please keep the attached police report on 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 2022-02-03
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Upgrade, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This alleged debt that XXXX XXXX XXXX is claiming that I owe is showing up on my credit report as charged-off by UPGRADE INC the original creditor allegedly. I looked up under that and XXXX XXXX XXXX is posting a collection for the same amount for UPGRADE INC, Which make this reporting inaccurate and false and deceptive because UPGRADE INC, charged-off this debt and took a right off. Meaning they basically canceled the debt. UPGRADE IINC, also filed a claim a claim with their insurance company to offset the alleged loss. After that UPGRADE INC, then sale the alleged debt to abandoned paperwork to XXXX XXXX XXXX and now they are trying to implicate that the account turned over to an innocent purchaser for value which is a violation of 15 u.s.c 1692e ( 12 ). The amount of {$2600.00} is in the positive form instead of in negative form which is false representation of an amount an a violation of 15 u.s.c 1692e ( 2 ) ( a ). Because of these actions the liability no longer exists an XXXX XXXX XXXX or UPGRADE INC, can no longer report this alleged collection or charge-off to the Bureaus causing me a financial injury and defamation of character Security finance I Never signed a contract with you for you to have and share my information which is also identity theft, nor did I give UPGRADE INC , permission to sell my information to you I am demanding to remove these items off my credit report or cease and Desist all communications with this alleged debt from any reporting agency Bureau or any other collection company, also of all medium. 
XXXX XXXX XXXX  is in violation of 15 U.S.Code 1692d ( 1 ) for posting this inaccurate information on my consumer report harming my reputation In violation of 15 U.S.Code 1692b ( 2 ) for stating I the consumer owe a debt IN VIOLATION OF 15 U.S.Code 1681b ( 2 ) never gave XXXX XXXX XXXX WRITTEN CONSENT TO FUNISH INFORMATION INVOLVING A COLLECTION A COLLECTION OF ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Convergent Outsourcing was collecting for a cell phone bill, and their collection agent told me that if I paid them, they would delete it from my credit report, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid Convergent Outsourcing, and I now have disputed it multiple times through the credit bureaus but Convergent Outsourcing refuses to delete it as their collection agent promised.

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 2022-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reached out to the court because of a freeze they had placed on my XXXX checking account. The court administrator advised me that they had already reached out to XXXX and asked them to release the funds. They provided me a letter so that I can also go to the branch and asked them to release the funds. The branch administrator took a copy of the letter and faxed it to the department to release the funds as they could not do it at branch level and asked me to wait two days. I then called the department and asked them for a status and they claimed they did not have the letter and that I could not fax myself, therefore, I should ask the court to resend. I contacted XXXX XXXX at the court and she said she would call them directly. I again waited. I called the department again and they asked me to send a copy of the letter electronically which I did. I gave them time to research and still the funds have not been released. I again attempted on XX/XX/27 by calling them and they said they would look into it. It is now XXXX and the funds are still on hold, almost 3 weeks unnecessarily. This has caused me a burden and I was not able to pay my bills on time. I asked that they release my funds and for this inconvenience and are penalized twice for this inconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because Diaz And Associates is aware that the account was is set to fall off in 7 years XXXX XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore Diaz and Associates should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and Dias and Associates has been notified and have made no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2017-08-21
Company: ZARVAD III S.A.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.

Company response to consumer: Closed with explanation