BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2020 during Covid I was working with A debt consolidation company named " XXXX '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with XXXX and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX Bank. In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my money market account with Capital One on XX/XX/XXXX. They supposedly sent me a check which I never got. The amount is {$23000.00} I have had to call them no less than 5 times to beg them to send me my money and every time I get the run around. They finally sent me an affidavit they insisted I get notarized and emailed to them. I did that on Thursday XX/XX/XXXX and they STILL have not confirmed receipt and they're telling me I have to wait 95 days for them to send my money! First of all I do not trust them at all. I think they will hold on to these funds for one lame excuse after another. Secondly they now have {$23000.00} of MINE which I am not earning interest on and they are. Theyre holding my money hostage and I NEED my money. They could have simply put a stop payment on the first check but they refuse. Now I closed my account on XX/XX/XXXX and if they were going to make me wait 95 days the clock should have started ticking THEN, not NOW. I am angry and this is causing me immeasurable stress. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEMS inaccurately reported on my credit profile that I owe {$1400.00} On XX/XX/2021

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 2023-06-12
Company: Grain Technology, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Any 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
This is my other attempt to inform TRASNUNION Credit Bureaus that I am a victim of identity theft and to express my dissatisfaction with particular records in my file as a result of their misconduct. The records I'm looking into have nothing to do with transactions that involved me or my authorization to acquire ownership of any things, services, or money. Block the appearance of any information in my credit report that was allegedly obtained through fraud, assuming no one is interested in it. TransUnion Credit Bureau is legally obligated to erase any items or information that are discovered to have been opened as a result of identity theft under Section 605b of the FCRA. 
XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX Issued check # XXXX from Wells Fargo Bank , N.A . to " XXXX XXXX XXXX '' in amount of {$38.00}. Mailed in USPS Box located at XXXX XXXX XXXX XXXX, TX XXXX. 
XX/XX/XXXX check # XXXX was processed. Funds withdrawn from our account, changed to {$4000.00} and payee changed to " XXXX XXXX '' XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked if check # XXXX was valid. 
XX/XX/XXXX We returned call & stated, " No, this check has been altered ''. 
XX/XX/XXXX Visited Wells Fargo Bank , N.A . & filed Fraud Claim with XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX came to our home, took report & issued " Case Number '' XX/XX/XXXX We contacted United States Postal Service Inspector & filled claim. 
XX/XX/XXXX Went to Wells Fargo Bank , N.A . & filled out 2nd Check Fraud Claim due to the fact employees at Wells Fargo Bank , N.A . could not find the original from 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 2023-03-18
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I presently have both an XXXX XXXX credit card and a savings account with CitiBank. I typically track my credit purchases at least weekly via the CitiBank mobile app, this site also includes access to my savings account. 
Last week when I logged in from the app, I was immediately taken to an activation page where I am provided with two choices ; enter new card ( doesn't specify credit or debit ) and choose " continue '' or " cancel '' which routes you back to the login page. I do not have a new debit card ( I destroyed the original as it was neither needed nor requested ) and have already activated and used my credit card which was received approximately 6 months ago. 
I have tried their automated phone, spoken with approximately 8 people none of which can help me gain access to my account ( one resolution was to drive 329 miles to my nearest branch office to complain in person ). They can not tell me when the card was sent only that I need that card number or the original one that I destroyed in order to gain access. The reason provided was for security despite being able to provide my full name, address, credit card and savings account numbers and date of birth.

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 2023-06-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a XXXX XXXX by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX l

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 2023-06-12
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from a company stating that legal action would be taken in XXXX hours if I did not respond. I called the phone number back, and asked for the name of the company. I then asked for verification of the debt owed. The individual I spoke with, became hostile and told me that he would leave it to the lawyers to decide what happens to me next. I simply asked for verification of the debt which he did not provide. He said it was sent to an old address, and XXXX times to my current address. I have no memory of receiving this notice and simply asked for XXXX more. He became combative on the phone, which was a recorded conversation. He then hung up the phone, so I called back, but nobody answered.

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 2023-06-12
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to Creditcorp. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car in XX/XX/XXXX with financing arranged by the auto dealer with America First Credit Union ( " AFCU '' ). I also insured the vehicle with XXXX XXXX and provided the proof of insurance to the dealer and AFCU. On XX/XX/XXXX AFCU added {$6200.00} to my account balance for collateral insurance coverage, despite full insurance coverage being in force with XXXX XXXX. They failed to provide any notice to me regarding the purchase of the insurance and the addition of the premium to my loan balance. The collateral insurance charge is nearly 8 times the cost of my insurance with XXXX XXXX and represents more than 15 % of the cost of the car. I learned of this a year after it occurred after chasing down AFCU to provide me on line access credentials so I could look at my account. Since then in multiple attempts to amicably resolve this I have spent hours on hold with AFCU agents, have twice been told that supervisors will call me back ( they didn't ), been sent to an AFCU office that turned out to be unstaffed, and have tried to resolve it through serial email communications. Their efforts collectively represent a tireless pattern of obfuscation and misdirection to reap a windfall on an invalid insurance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
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:
Whatever is tendered as payment, whether property, money or an INSTRUMENT, if ACCEPTED, the deb is discharged.

" Also see ; UCC 3-311, 3-603 AND 3-601 Affiant is awre and knows that all complaints of MAIL FRAUD can be handled through the XXXX, including butnot limited to any ATTEMPTS TO DEFRAUD emanating for your office. 

Affiant is aware and knows that in the event of any opposition to this " AFFIDAVIT OF LEGAL TENDER OF PAYMENT ACKNOWLEDGEMENT AND DISCHARGE, the opposition must be done b rebutting each and every point, point by point and making said rebuttal public record, signed in the rebutting party 's full Christian/ Family name, under penalty of Law including but not limited to perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit bureaus.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

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 2023-08-20
Company: Experian Information Solutions Inc.
State: KY
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:
The payment status for XXXX XXXX XXXX last 4 XXXX XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX ha

s violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.

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 2023-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
I was sued in XXXX from LVNV Funding regarding an account from XXXX XXXX. My wages were garnished on 3 separate paychecks on the following dates : XXXX for {$450.00} ; XXXX for {$630.00} ; XXXX for {$3.00}. My company sent the money to the XXXX XXXX Clerk of Courts. I spoke with a lady at the clerk of courts office this past week and she informed me that she reached out to the law office of XXXXXXXX XXXX XXXXXXXX on 3 separate occasions, those dates being XXXX, XXXX, and XXXX, to request that their office send her an order for funds so that she could send the funds to them. However, their office never returned her phone calls and did not send her the order she requested. She then sent the funds to the unclaimed funds division of the state of Ohio. I disputed the account on my credit report some years ago and requested it be updated to show it was now paid since they garnished my wages. They are saying I still owe them the money and refuse to correct their own mistake. I reached out again to them this XX/XX/XXXX to request again that it be updated because my wages had already been garnished and my debt was paid. I received a letter from them today XXXX stating that according to there investigation they have not received the money and therefore I still owe them the debt and it continues to collect interest, so every single month they are submitting to the credit bureaus that the amount is increasing and hurting my credit and this may very well jeopardize the current purchase of a home I am trying to make. I should not be punished for their lack of follow through on a judgment that was paid. There should be some form of restitution for continuing to ruin someone credit for a debt that was paid over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Just on today ( XXXX ), I had attempted to, addressed my concerns! However, I was intentionally hung up on, by XXXX XXXX! Transunion just started misbehaving, and engaging in illegal practices : for some time now! Here 's what may have taken place : both XXXX and XXXX convinced them to stop dotting their I 's, and Crossing their T 's, making sure everything is accurate, acceptable, professional, sensible, legal, and well presentable with my credit report/score! The reason why XXXX did this can be, explain this way : They had gotten tired, angry, looking XXXX, being called out, exposed, jealous, and bitter ; due to me always filing complaint against them, but hardly ever against Transunion! It was no reason, to do such thing, if all was well, on several occasions, with my credit report/score under their third-party platform! Transunion is now misbehaving, and engaging in the following : bad practices, unfairness, habits, discretion, discrimination, Invasion of privacy ( interfering with my rights to live ), witness tampering ( credit score figures/miscalculation ), and in violation of my health, civil, and constitutional rights!

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