BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: Credit Associates, Inc. (MO)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
In  XXXX  of   XXXX   I suffered an injury at work that was covered by worker 's comp. Since that date, I have been receiving notices from the  XXXX   XXXX   XXXX   XXXX   XXXX , indicating that I owe them {$290.00} for a consultation while I was in the hospital. This should be covered by the worker 's comp company. I have contacted the worker 's comp company and they have assured me that they have been trying to reach the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  without success. Meanwhile, the  XXXX   XXXX   XXXX   XXXX   XXXX  has continued to send me letters, despite multiple calls to try and clarify the situation.     Now, I have begun to receive letters from  Credit Associates , Inc.,   attempting to collect what the  XXXX   XXXX  reported as a debt. As of this morni ng, Credit Associates left a  shredded note taped to my front door at approximately  XXXX , in regards to the supposed debt. Not only is this in violation of the California State  Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practic es Act for contacting me well before  XXXX , but I believe it also constitutes harassment ; not only for coming to my home to post a shredded notice, but also for potentially revealing information to persons other than my attorney and my sp ouse ( i.e. my neighbors and  roommate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at XXXX 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 2021-05-12
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX - XX/XX/XXXX debts were paid by debt collection through health insurance agency and debt collection. {$0000.00} balance due!

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 2021-03-19
Company: Sequium Asset Solutions, LLC
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:
Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: UT
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows 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 2021-03-18
Company: Dynamic Recovery Solutions, LLC
State: MN
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 talked to Dynamic Recovert Solutions about this and they told me to contact you about. First of all the address I live at has no apt number. The address for the account has an apt number. The debt was made in XXXX of 2011 in the amount of $ XXXX. I am just now getting notified about this. I have received letters in the mail asking me to send money for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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 2016-02-09
Company: Resolve Partners, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Credit Bureau Services Association
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my TD checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. TD bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with TD bank and I will tell everyone I know not to ever bank with them, because they are crooks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery associates have repeatedly attempted to contact me regarding an account that has already been settled. Upon further investigation, it turns out Portfolio Recovery services never owned the XXXX account in question and has no record as to why they are attempting to collect it now. I have told them on multiple occasions not to contact me by phone and if they continue to try and pursue this matter they must communicate with me only by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Reporting company used your report improperly

Complaint:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2021-03-19
Company: Southwest Collection Services, LLC
State: LA
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:
On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an American Express credit card for 40 years. XXXX months ago I accepted an offer to enroll one of my purchases in the XXXX XXXX XXXX The purchase was for {$2900.00}. The agreement stated that when I made my regular monthly payments, the first {$240.00} of each payment amount would be applied to the XXXX XXXX  purchase of {$2900.00} for the next 12 months and any payment amount over the {$240.00} would be applied to any remaining non-plan balance. On XX/XX/2022 I made a payment of {$1400.00} of which {$240.00} should have been applied to my XXXX XXXX  balance and the rest to my remaining non-plan balance ( which included {$1300.00} in charges made at the end of XXXX, prior to my payment ). Instead, American Express refused to apply the excess payment to the non-plan balance and instead applied {$1300.00} of my payment to the XXXX XXXX  balance. This caused my interest bearing non- XXXX  balance to carry over to the next month incurring an interest charge and making my non-XXXX  balance increase to {$1300.00} instead of the XXXX balance it would have been had my XX/XX/2022 payment been applied correctly. I have called XXXX  XXXX times to try and get the payment applied correctly which has not led to any correction. They simply say that they have no way of correctly going back and adjusting the payment since the computer does everything and there is no way to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Paypal Holdings, Inc
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 for months 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. 

Thanks

Company response to consumer: Closed with explanation