BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Alliance Group & Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from this collection agency on XXXX/XXXX/XXXX concerning my debt with XXXX XXXX XXXX. The debt totaled {$1400.00}. I made a down payment on XXXX/XXXX/XXXX of {$140.00} and have been making payments of {$86.00} until this month when I stopped. Reason I stopped I called them a couple of weeks ago and asked for early payoff and they would not even discuss it. When the arrangement to make payments was made the contact person coerced me into making the arrangements by threatening me saying, '' You had better not miss a payment ''. I took this as a threat to take legal action if I missed a payment. According to the attached state of Texas statue this is totally against the statue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I was scammed and the scammers gained access to my online Wells Fargo banking account including my checking, savings and credit card accounts. I went to my local bank and they told me to go home and call the Fraud line which I did. The agent closed my checking and savings accounts and transferred my funds to new accounts. At that time the agent didn't tell me that my credit card might also be vulnerable. He did tell me that the wire transfer from my checking account did not go though so I assumed I was safe. 
On XX/XX/2022 I saw XXXX XXXX at my local Wells Fargo and she told me again that the wire transfer hadn't gone through. She also said there was no activity on my credit card. Later on the XXXX, I checked my online accounts and discovered a cash advance taken on my credit card of {$9900.00} plus a {$490.00} cash advance fee. I immediately called the Fraud line to alert them to the illegal activity on my account and the account was closed but the wire transfer had already gone through even though this cash advance was in excess of my daily limit. I have not used this card in years and I have never gotten a cash advance so I believe that Wells Fargo should have prevented or at least alerted me that this was happening. 
On XX/XX/2022 I received a letter from Wells Fargo stating that the case was closed and the money could not be recovered so I was responsible to pay the cash advance, plus the cash advance fee, plus a {$64.00} interest charge for a total of {$10000.00}. I subsequently received a credit card statement from Wells Fargo for that amount. 

I am an XXXX XXXX XXXX woman who has been a customer of Wells Fargo for XXXX  years. I have never been involved in anything like this before and I feel that Wells Fargo should have offered me more protection. I also believe that this money should be covered by insurance that Wells Fargo has for credit card fraud. I want them to forgo payment of this credit card debt. I have asked them to reevaluate this but haven't heard from the.

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 2017-04-07
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Comenity Bank has once again violated the FCRA. On XX/XX/2022 I received notification that they checked my credit report without my consent. 

That is illegal, and not only must the remove the inquiry from my consumer report, I also demand them to delete their inaccurate reporting listed under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/22, I was briefly XXXX XXXX XXXX XXXX XXXX XXXX The assailants used my debit card, after forcing my pin number out of me at XXXX XXXX, to withdraw and use XXXX $ USD. I filed a claim with Wells Fargo that was resolved on XX/XX/22, with the bank failing to refund me, with the reason being " ... the transactions were made using your card and personal identification number, we found it was made by you or someone who had your permission. '' I followed up with the bank in person on XX/XX/22, and a banker allegedly " escalated '' the matter, however I have not been able to get a hold of this person since.

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 2017-09-07
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.

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 2017-09-07
Company: ORG GC GP Buyer, LLC
State: NY
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:
An account was created in my name on XXXX, afterwhich merchandise was purchased using the easypay method. I did not do this. However after the bill was not paid an invoice for {$15.00} was sent to my father 's house. ( I currently live abroad ) The 1st letter I received was on XXXX letterhead however there was no account number. I assumed the letter was a scam and did not take action. Later, another letter was sent to my house, this time from GC services, a collection agency. As I no longer live in the country, I was very surprised to find out a XXXX account was made in my name. In total I received two letters from XXXX. XXXX had no account information and the other did not include a date. This to me seemed very unprofessional and I thought it was a scam. What kind of a company sends an invoice without an account number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have made numerous phone calls to way2go starting back in XXXX of his year XXXX. I have money over {$4500.00} sitting in my account that I can not access because of my birthdate not being in the system. I have sent in ID information to verify my identity. Conduent card services in return sent me a letter telling me my information was approved but I can not to this day activate my card and obtain my funds. I have had the phone hung up on me multiple times and I have asked for corporate office information which is never giving to me. multiple agents have been on the phone with me through the activation and there is still an issue. One agent even told me there was no way I could get my money even knowing that there is a problem with the system. I have talked with my unemployment office they tell me the issue is not with them but with way2go and way to go tells me its the unemployment office. All correspondence is attached. However I can not attach the many phone calls because an agent said i could not record the call and hung up on me. But they can record my calls? Hopefully they have every call I made to them recorded. This is unemployment money from XXXX of XXXX that I have yet to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Apex Resolution Group LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The claimed debt is in my husbands name. They told me they can call any number that is " attached '' to a search they did on him. When I told them that his credit report shows nothing about an unpaid debt, they said that was because a group of atty 's bought it. I told her she was a scam and hung up. She called me right back, laughing and saying they would continue to call me and that because of my rudeness they would be immediately filing court papers. My husband has asked them numerous times for documentation on the supposed debt. He has a credit rating of almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with capital one. About 6 months into having my card. I got sick ( XXXX ) was not able to work & was sick all the time because of XXXX. I called in & let Capital one know of my hardship & even sent my personal Medical file to prove to them what was really going on. After 3 years of fighting & getting back to some what normalcy. I was happy for a second chance in life but have hundreds of thousands of medical bills. Before I started with my medical payments I wanted to pay off capital one because by right I owe them so I called in on my own free will & spoke to a rep & said I going to make payments on my bill in full but I would like it deleted off my credit report cause its hurting me. She said no problem. I was not even thinking to get it in writing because I had so much problems & issues at the time & did not know how it worked. Paid my bill in full & The item was never removed from my credit report. They had it charge off got a tax write off & I still paid it in full. They even made it worst by reporting a late payment the very much I paid it in full. I wrote to them several certified goodwill letter. They refused I even sent the copies of all 3 credit report showing all the inaccuracies & late payments listed when they were never later! Company refuse. I requested a form for my taxes since my bill was over {$600.00} they have totally ignore. I never knew a company can be so heartless even tho I made good on my own free will. I requested to have the account completely removed because its doing so much harm. And the account has so much incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
Not my accounts reporting

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 2021-08-28
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My annual fee of {$59.00} posted on my XXXX XXXX Banco Popular Visa on XX/XX/XXXX. I went to close the card on XX/XX/XXXX and was told that the annual fee can not be reversed and this was a policy change. I do not think this is fair considering I am still within a 30 day window and especially during this time of covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Freedom Debt relief is falsely representing their services. In many cases they are not at all negotiating any relief from creditors, i have several accounts that I am now paying MORE in return from the enrolled principal amount of debt. This is negatively affecting my credit score. Furthermore, they have refused to disclose to me their tactics, what terms they were negotiated on, whom i can speak with about how my debts were discussed, and why the repayments are higher than the amounts I OWED the creditors. I also was discouraged from disputing anything on my credit report and was told that I could not know the terms of the repayment or debt repayment discussions. Additionally, I have refused the terms of the most recent debt because its higher than the amount I enrolled into the program, they are refusing to move on, and address other areas of debt instead. They refuse to provide me with any information regarding how and what terms my debt was negotiated, and they can not tell me why my enrolled debt is lower by thousands than the results they are negotiating. I can not fix my credit without this information. I doubt they are negotiating AT all. They are falsely representing the amounts of debt that they have reduced. For example, a principal plus their FEEs means that I actually lost more than {$100.00} on one account for having them " negotiate '' my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: PHH Mortgage Services Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX missed a payment due to financially issues. 
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting  any call backs or understandings to why they would not work with me on getting my payments caught up. 

I was then served a default notice on my door. 
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request. 

I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not. 
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter  stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information. 

I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls. 
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold. 

I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan. 

AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CNG HOLDINGS INC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d.

- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX  bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is illegal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. 
( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

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 2017-10-17
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation