BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is being calling my brother, I told the to stop calling my relatives, or calling me during my job hours, they never stop, Today I asked the to call me after XXXXXXXX XXXX that I am off from work, and He answered me very rude, you should better answer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i made a cash deposit on XXXX they not only not credited my account they deducted it it from my account as a check so they owe me my deposit and the debit they took so they owe me XXXX deposit plus the debit of XXXX out of my account

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 2022-03-11
Company: United Shore Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our settlement company requested a loan pay off statement from United Wholesale Mortgage on XX/XX/22. The settlement company never received it so they asked us to reach out to United Wholesale Mortgage to try to get it ourselves. We reached out on XX/XX/22 and United Wholesale Mortgage claims it was in our online document center but it was not there. We called again on XX/XX/22 to try to get them to send it, but then they claimed their document center went down. So then they said they could fax it, but no one has received it. We called UWM to ask them to fax it to a different number ( in case there was an issue with the one they were sending it to ) and they claimed to have faxed it, yet no document. We called again and tried another fax number. Still no document. We tried the chat feature three times on XX/XX/22 and called four times on XX/XX/22 and the best we were able to get was Ill tell my supervisor, he isnt answering his phone. We now close tomorrow morning ( XX/XX/22 ) and we dont have the document. I read they have 7 days to produce this from the time we asked and they have not fulfilled this requirement. They claim they did fulfill it, but none of their faxes went through to multiple numbers ( so it their system failing ) and it was not in the document center and they refuse to help in any other way, so I dont know what else to do at this point. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX of XXXX, TN has been trying to collect a debt from me owed to them by my worker 's compensation claim insurance for an ambulance service that was on XX/XX/2019. I have been contacted by XXXX XXXX and various collection agencies to try and collect this debt from me. Over the last few years, I've provided written letters, workers compensation medical claims info and verbal phone calls to inform these companies that the debt is owed by worker 's compensation claim and NOT by me as an individual. I have also asked them to cease and desist in contacting me, however, they continue to bounce this debt request around to different companies to get around having to abide by the cease and desist request. 
At this point, I need them to contact the worker 's compensation provider directly ( XXXX ) to file claim and remove me from all communications harassing me and continuing to bounce this around to other companies, requiring me to provide documentation each time that has been provided already. Please help make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX decided to get a credit card from their website somebody open a credit line under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Tuesday, XX/XX/2021 I tried closing my Wells Fargo credit card after fraudulent charges were made on it for the third time. I was told I could not close the account and would be issued a new card instead. The card was not deactivated and {$1000.00} was accrued onto the card. When I called again on Thursday, XX/XX/2021 to cancel the account and file a fraud claim with Wells Fargo credit card company, I was again told that I could not close out my credit card account.

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 2022-09-07
Company: EQUIFAX, 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 XXXX Account # XXXX, has 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 an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Brennan & Clark, Ltd., LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I started receiving a voice message for something I am not related at all.
First voice message : Monday XXXX XXXX, 2017 at XXXX ( PST ) This is XXXX XXXX with the offices of Brandon and Clark my -- -- -concerning your other time senseitive legal matter that I am assuming you 'd prefer to address the -- -- - escalates but in order for you to accomplish at this point it 's imprerative that you contact me immeediately my phone # XXXX extension is XXXX.
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Second voice message : Wednesday XXXX XXXX, 2017 at XXXX ( PST )

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 2017-06-21
Company: Weinman Acquisition Group
State: NV
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:
XX/XX/2017 XXXX PST Approx Received a phone call from Weinman Acquisition Group - XXXX Threatened to serve me papers for a failure to appear in court - advised the lady she was in violation of the Fair Credit Reporting Act and that I would be submitting a claim against her and the company she is representing. She stated that she was not in any sort of violation of the lam and that I would be served with papers to appear in court for a lawsuit. Immediately after the phone call - I received notice that my mother had received a call from the same lady ( *the mentioned phone number is a direct line ) stating that she was just told that I was going to be served papers if I did not return a call and that I would be sued for a failure to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.

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 2022-03-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a current complaint against XXXX XXXX with Cach LLC now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was told that my XXXX Visa Signature card issued by Synchrony Bank came with protections like trip cancellation coverage and lost bag protection. When I received the card, the guidebook explaining all these benefits was missing. I called Synchrony and the representative told me that THIS CARD DOESNT OFFER THOSE PROTECTIONS, they are apparently from Visa. I asked why his card advertised these benefits when they are not offered by Synchrony for this card. He told me to XXXX Visa Benefits to find the benefits or call a generic number. A search of the internet turned up no results for the guidebook, nor would the Visa site let me register the card to view these benefits. This is clearly an advertising scam by Synchrony, these benefits/protections are not associated with their Visa Signature product. 

Call details : XXXX Employee ID XXXX XXXX XXXX XXXX EST

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 2022-03-11
Company: EQUIFAX, 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:
I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX  XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BlueChip Financial
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named spot loan whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called spot loan. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX  XXXX and XXXX and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: FL
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:
Improper reporting. Reporting a collections account XXXX XXXX that is not accurate and I never consent to furnish or create report. 

Incorrect reporting XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a current complaint against XXXX XXXX with XXXX XXXX now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is Credit Control LLC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The loan in question, unfortunately defaulted. I had made payment arrangements with the collection agency after being threatened with a lawsuit. The payments now are being taken on a different date than originally agreed upon causing me to fall behind on more bills. I have Attempted on multiple occasions to reach them via telephone with no success. The collection tactics used were unnecessary. I was threatened with a lawsuit and advised that my employer would be notified of this issue. I was also threatened to be served with the lawsuit papers specifically at my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX  XXXX XXXX XXXX - Account type- Installment Account. **i am disputing this account for inaccurate information. I had sent a letter on XXXX/XXXX/XXXX to XXXX XXXX XXXX, did not hear back from them. I then received my letter returned from post office on XXXX/XXXX/XXXX, undeliverable to XXXX XXXX XXXX stating the creditor address was not delieverable as they no longer do business there. On XXXX/XXXX/XXXX, I sent a wrong address to Experian stating that the address that Experian has on my credit file for XXXX XXXX XXXX WAS inaacruate and that they need to remove XXXX XXXX XXXX IMMEDIATELY FROM MY CREDIT FILE, I have not heard back from Experian or XXXX XXXX XXXX and as of XXXX/XXXX/XXXX, XXXX XXXX XXXX is still reporting on my credit files. I want this deleted immediatly from all my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

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 2022-09-07
Company: Experian Information Solutions Inc.
State: VA
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.

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 finish 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 XXXX years XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # 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