BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: ProCollect, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company has not sent me any letters, they also keep calling me after I told them not to contact me or even send me letters

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 2022-03-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Wells Fargo XX/XX/2020 located XXXX XXXX XXXX, New Jersey XXXX. Approximately XXXX pm and made a deposit of {$4900.00} into the ATM into my checking account and received a deposit slip for " one penny ''. I knocked on the window of the bank, the Manger of the Bank came to the window and that's when I showed her my receipt for one penny. I asked if she could assist me at this time for it was urgent ; I was frantic at this time, but she refused. 
I've been following this dispute for onXXXX and half years now, going to different branches of Wells Fargo asking for help, but with no resolution. " I've even been asked where did I get this money ''!! 
How appalling. But as of this date and time, I've NEVER received my money back. I've talked to and submitted all required documentation asked for, but still no resolution. 

Please help me get my money back from this company! 

Thank you, Respectfully, 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 2020-05-12
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:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
President Biden and US Congress do not allow any apartment management to harass a single parent who raises XXXX kids successfully during pandemic. I did not owe anything. We used one room. ( another room for other person ). A single parent and my kids have nothing to do with another person in another room. Harassing a single parent with XXXX kids should be halted. 
President Obama and First Lady XXXX XXXX  sent me a letter in person through US congresswoman XXXX XXXX for my daughter XXXX and me. 

Federal agency should instruct apartmanagement to stop harassment a single parent with XXXX kids who is US armed force veteran. 


As a single parent with XXXX kids, I try to buy a home in rural area, national credit system ( XXXX XXXX XXXX ) information in credit report should be removed to apply FHA loan, VA loan and USDA loan. 
Halt XXXX hate crime or Discrimination against XXXX Americans ( a single parent with XXXX kids ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank closed my account last year in XXXX with XXXX dollars they did not tell me a reason and my branch told me to wait for some days to receive my funds but until I have not received. I tried to contact the branch I have been told that they have no answer. I need your help please

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 2016-03-05
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS-XXXX currently holds my students loans. I have been on income based repayment for several years. The XX/XX/XXXX tax return were substantially higher, {$36000.00}. However, I have sent the paperwork they request six times, twice by certified mail. I have all copies of multiple emails and paperwork they requested to help them understand that change in income was due to an inheritance of {$36000.00} that was used to pay off credit card debt. Additionally, I have explained to them, sent multiple copies of my current year 's income as they requested. I also have explained that due to my accountant not filing my tax returns until XX/XX/XXXX for my sole proprietorship showing that I must pay the IRS {$19000.00} in taxes for XX/XX/XXXX tax year with the added responsibility of {$4000.00} in estimated quarterly taxes that were not paid as we have always had a return not owing money. This amount, {$35000.00} leaves me with no money to pay anything. I have made arrangements with the IRS for payments which are {$2500.00} per month. ACS-XXXX has requested an IBR six times and I have provided it six times. I have sent them by certified mail. Each time I send the requested information over and over they send the exact same paperwork stating : Are you having problems paying your student loans? See you qualify for any of the below assistance. It is as if they do not read anything I send them. Due to this constant requesting and submitting paperwork since XX/XX/XXXX they have severely damaged my credit while never acknowledging the receipt of the forms I have sent at their request. It is impossible for me to establish a repayment amount if they simply keep sending the same paperwork over and over and offering absolutely no resolution or payment options, only late fees and reporting it to my credit. 
I need someone that will represent the consumer and protect me against their ignorance of sending the same papers over and over and causing me further financial damage because they are not aware of what they are supposed to do or acknowledge any compliance with their request. I will not talk to them on the phone and have repeatedly told them that due to their actions all communication must be in writing so I have document ion on paper. They only send the same forms over and over. It is as if their staff has no clue what the other staff send. Please advise what action can be taken to resolve this issue and require them to correct the damage they are doing to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-03-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I thought I was being contacted by Wells Fargo about a money transfer fraud. They had me sign up for money transfer told me I had to make a transfer to stop the transfer. Thats were it went wrong as soon as I figured out what I had done I left work went to my nearest branch and told them to stop everything. Well I just received a letter stating that they will not return the XXXX dollars and I am out because I authorized the transfer.

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 2018-06-26
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Account status incorrect

Complaint:
i obtained a title loan from XXXX for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an XXXX XXXX bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX  is reporting unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: General Motors Financial Company, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by PennyMac ( XXXX. XXXX XXXX XXXX XXXX, CA XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, PennyMac allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving XXXX % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put XXXX % down payment. I called to tell I wanted to give XXXX % down and I was convinced by the broker to leave it at XXXX % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by PennyMac? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think PennyMac only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with XXXX % down and convinced me to leave it like that. I am sure there is more victims like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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:
I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest on XX/XX/XXXX-XX/XX/2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.

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 2020-04-17
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ARE NOT MY ACCOUNTS

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 2015-09-18
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems reported a collection debt to my XXXX Credit file on XX/XX/XXXX for {$300.00} medical bill. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX monitoring service, I was told this was a medical office debt with XXXX XXXX for XX/XX/XXXX and that the debt was sold from another collection agency ( XXXX or XXXX? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX. This caused my credit score to drop XXXX points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred XX/XX/XXXX then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Convergent Resources, Inc.
State: FL
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 asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$350.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I currently have a billing dispute regarding my XXXX credit card ending in account number XXXX. While the dispute is under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. The problem here is I never received a statement from XXXX to make a payment on time and therefore they placed a 30 day late on my credit reports which when disputed should not be allowed, see below. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I found out that my East West bank account was closed on XX/XX/2020. I contacted customer service on the same day and asked me to provide another XXXX XXXX  account with {$3300.00} in it. I transferred the money inside, but I have not transferred the money in the past 13 days. I have contacted East West Bank customer service many times, and I said that I will transfer the money soon.

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 2015-05-05
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans are through XXXX and ACS. XXXX is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying XXXX. The increased amount is equal to my food budget and now, as a XXXX year old, I am being forced to determine if I pay the increase or do I not eat? Is there any way you can help me?

Company response to consumer: Closed with explanation