BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Access Receivables of NC Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
We had compensation insurance through XXXX. The company went out of business and the balance owed was {$500.00}. XXXX increased the balance of the bill 10 times as a result of a several unannounced visits to review our paperwork after we canceled our policy. We were 6 months out of business and had all returned to regular employment. Recently I and my family have received threatening phone calls from Access Receivables Management. They have called me multiple times a day, utilizing different numbers and have recently began calling my family and have left voicemails describing the nature and content of the debt. I am feeing very harassed and my privacy invaded. The debt is inflated as a punitive measure for not taking a risk to take a day of my new job to meet with the XXXX  representative during work hours. I offered to meet anytime after. The company is financially closed and no longer had any employees and they are contacting my family which has no connection to the company. I am considering legal ramifications for the harassment and violation of my privacy rights. I have saved voicemails that were sent to my sister and father

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: FL
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:
I filed a complaint and they ignore me and they think they are above the law. Wells Fargo Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY 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 explanation
Consumer complaint received 2017-08-29
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This loan was paid off in early XXXX in a refinancing. There is an {$810.00} overage that was supposed to be refunded, but Mr. Cooper has failed to deliver the refund. I contacted the company in XXXX, shortly after the loan was paid off. I was told to wait 20 days. I contacted Mr. Cooper again in XXXX. They claimed they had sent the refund check in XXXX. They claimed they would reissue and resend the refund check. I contacted Mr. Cooper again in XXXX, and they told me to wait 10 days. I contacted Mr. Cooper again after 10 days, and they told me to wait 30 days. Meanwhile, they have offered no evidence that the refund has actually been mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason, and will not help me with getting it back up and going. 

I am not sure if this is some mistake as I assume it has to be. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2017-04-17
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Saturday,  XXXX   XXXX ,   XXXX   my husband and I went to the  PNC  Bank in  XXXX   XXXX  in  XXXX , DE at abou  XXXX   XXXX   XXXX  . My husband went in side because I just worked a double at   XXXX   XXXX   restaurant. We were depositing the money from that night. He went up to the right atm to do atm cash deposit. The cash insert opened it took the the money {$120.00}  (   XXXX   XXXX   ) in  the machine took my money then it said " your transaction ca n't be processed at this time ''. It spit the card out and ended the transaction. There was no one available to help me after hour so I was out of money for  XXXX  weekend.   I went to the bank today and asked for th e Branch Manager . The teller told me there was n o manager in toda y. She directed me to a associate that told me I could n't get a credit of my money today and I have to wait up to 10 days to dispute. I am furious and very inconvenienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
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:
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 an 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 and 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 non-monetary relief
Consumer complaint received 2017-04-20
Company: CITIBANK, N.A.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My  Citibank Loan, w hich was opened in  XXXX  for my college term of  XXXX , was never once paid ( not  one  penny ) so I technically 'defaulted ' on this loan in  XXXX . While I know that this is n't a great thing to do, my financial health right out of college was not great. Forward to  XXXX   XXXX  of  XXXX  and this loan magically appears on my credit report. The " Date Account Opened '' is correctly listed as  XXXX   XXXX , but the " Date Account Closed '' is listed as  XXXX   XXXX ,  XXXX  - 3 years after I defaulted on this loan. This coupled with the fact that it just recently appeared on my credit report makes it seem like a recent debt that I have defaulted on, which is NOT CORRECT as this was defaulted on 4 years ago at this point.     Also, listed in the details on my credit report is a note saying that " payment is deferred until  XXXX  ''. I have NO IDEA where this date came from because, like I have already stated, this loan was defaulted on in  XXXX . I have not had any contact with deb t collectors about  this loan, so I am not sure what person magically picked that date out of the air for my loan to go into repayment 5 years after I was supposed to start paying it. I would love to see this fake agreement in writing or some explanation!     I am guessing that this is an attempt f or Citi to f orce me into repaying them by " re-aging '' this debt, but I ca n't be sure. In any case, this old defaulted loan ( again, defaulted in  XXXX , never paid them  one single  penny ) is appearing on my report as only being closed a few months ago, which is NOT TRUE.

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 2017-04-17
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Loan in good standing, paid off two months ago, then transferred to new servicer ( from XXXX to American Education Services ). On XX/XX/2017 I had {$19.00} taken out of my checking account without my consent to cover a supposed {$0.00} remaining balance ( even though the loan was paid off, and shows on my credit reports as paid off/closed ), but that {$19.00} would be returned to me within 30 days. Today, only three days later, another {$19.00} has been taken from my account without my consent ( or even providing the new servicer with my account information ) for my PAID-OFF LOAN, and their site has very little usable information. This ca n't be legal. I ca n't afford to keep having random payments I did n't agree to taken out of my checking, again, for a loan paid in full months ago. Are there damages I can collect for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Eastern Account Systems of Connecticut, 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: Personal information incorrect

Complaint:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: COLLECTION SERVICES OF ATHENS, 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: Personal information incorrect

Complaint:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from XXXX XXXX, who said he was an independent process server. He said he wanted to serve me with a complaint tomorrow at my address. I ask what the complaint was about, then he gave me the phone number XXXX to call and a Case No : XXXX. 

When I called the number, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, answered the phone. After giving him my name and case number, he said I owed Capitol One {$1800.00}, the account was opened on XX/XX/XXXX and that the last payment was XXXX of XXXX. At no time during our conversation did he say, " He was attempting to collect a debt and that any information obtained would be used for the purpose of collecting a debt. '' in violation of " FDCPA ''. 

Additionally, he lied about the dates and amounts of the debt in violation of " FDCPA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out Grant and Webber, XXXX, and XXXX  so many times for proof of contract with this debt. I have not received anything from neither companies.

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 2018-05-11
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 my credit was reflecting this item was removed from my credit report. It has recently been added again after being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  credit card with XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to XXXX XXXX and they stated they would file a fraud claim. During the mean time we received a new XXXX XXXX XXXX credit card. I did not activate the card, I destroyed the card and contacted XXXX XXXX to close the account. I received from XXXX XXXX XXXX XXXX  a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with XXXX XXXX to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!

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 2017-08-29
Company: Quality Recovery Services, 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: Personal information incorrect

Complaint:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2022 XXXXwith some change was has been taken out of my card i don't use you i i don't know why you keep taking my money XXXX i want my money back thank you

Company response to consumer: Closed with explanation