BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Kwikcash, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent debt validation paperwork to XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023. XXXX XXXX XXXX mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been notified that I have a delinquent charge from a company called XXXX XXXX XXXX for {$850.00}. I was notified on XXXX by email from a collection agency, Southwest Recovery Services, whom presumably bought the debt and is trying to collect. On the same date as this notification email, the open debt collection was reported to the XXXX credit bureaus. This has negatively affected my credit standing. 
I have no record of this charge, or invoice so I immediately tried to make contact with both parties involved to find out what the charge was for. I spoke to someone at Southwest Recovery Services that could not give that information, only the phone number of the original company, XXXX XXXX XXXX. I got a name from the person I was speaking to, only to later try to contact her and find that no such person works there. I contacted XXXX XXXX XXXX and after asking for the information, was hung up on. 
This is all very suspicious, since I have never done business with XXXX XXXX XXXX. I have no record of the debt and knew nothing about it for the years it was supposedly owed. I was only looking for a confirmation of the charges in an invoice, or some kind of paperwork. I believe that I am owed proof that I woe the debt.

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 2023-08-01
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 at XXXX EST, I spoke with an agent in the collections department at Fortiva Collections. They verified what the last payment date was and agreed to do a settlement for deletion. The collection representative stated that I had until XX/XX/2023 to pay the settlement amount and if paid by that date the account would be marked as 'Paid In Full '. The Fortiva collection agent then informed me to mail the settlement payment amount of {$2000.00} to the following address ; 'Fortiva Collections Department , XXXX XXXX XXXX, XXXX XXXX TX XXXX. The Fortiva Collection agent that I had to pay the settlement amount of {$2000.00} by no later than XX/XX/XXXX. 
They also agreed to remove the late fees that were reflecting in the amount of {$120.00} The check was mailed to Fortiva Collections Department and placed into their bank account on XX/XX/2023 ( See Enhanced Copy of Cancelled Check Attached ). At this time Fortiva by cashing the check has agreed to the following which is clearly written on the back of the check they cashed and it clearly states : ( Quote ) " By negotiating this check, the creditor herein agrees that this payment represents paid in full, paid as agreed and further agree to remove this account XXXX from my credit report. '' ( End of Quote ) ( See Enhanced Copy of Cancelled Check Attached ). 

After the settlement amount was, Fortiva has continued to ruin my personal credit by reporting the account as Past Due, Late Payments when in fact they agreed to settle the account for the amount paid which is {$2000.00}. At this time, they continue to harass and phone me for payments and causing my credit scores to continue to be low due to their inaccurate reporting of this account which should be showing as 'Paid In Full '' and 'Removed from my credit profile ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted repeatedly by phone and email daily. This account was closed properly and was continuing to bill my credit card. I cancelled the card and immediately began receiving threatening calls from this debt collector. I have requested several times for documentation and proof the account was open. All were ignored. If possible I would like to pursue them as my credit report was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
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 Crediting Report Act, the account listed below has violated my federally protected rights to privacy and confiendentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX This account has violated my rights.

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 2023-06-08
Company: Paypal Holdings, Inc
State: NC
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 back in XX/XX/2022 and said the funds will be held for 180 days, and then they will send me an email to retrieve the money. 

However, it has been 180 days but I haven't heard back from PayPal yet. I have over {$2600.00} in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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 is not yours

Complaint:
Below is my validation request from Capital One Bank. 


To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the two debts that are listed on my credit report. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

A purchase agreement or assignment from the original creditor to your company.

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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 status incorrect

Complaint:
I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by Wells Fargo to one of the credit bureaus, XXXX. I have recently settled a collection account with Wells Fargo, and while this has been accurately reported as " paid '' to XXXX and XXXX, XXXX 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with XXXX and XXXX potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to XXXX is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that Wells Fargo takes immediate action to rectify this error. Please update the status of my account with XXXX to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if Wells Fargo could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that Wells Fargo adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.

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 2023-06-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear XXXX, I, XXXX XXXX XXXX XXXX am writing to file a formal complaint against USBANK regarding my mortgage loan for my primary residence located at XXXX XXXX  XXXX, XXXX  XXXX XXXX CA XXXX XXXX The loan number associated with this mortgage is XXXX. 

I would like to provide a brief overview of the circumstances leading up to this complaint. My husband lost his job during the COVID-19 pandemic, which significantly impacted our financial stability. To address our delinquency, we entered into a repayment plan with USBANK, where we were making double payments in an effort to catch up on our mortgage payments. We were making positive progress until the onset of the pandemic. 

After the economy began to reopen, we initiated multiple loan modification applications with USBANK. Regrettably, our requests were repeatedly denied, and we were only presented with short sale options as alternatives. Despite my husband actively seeking better job opportunities and taking on higher-paying roles to improve our financial situation, USBANK continuously instructed us to reapply for loan modifications as our income fluctuated.

The loan modification process has been protracted, spanning over two years, during which USBANK consistently denied our requests on the grounds of both insufficient and excessive income. We were not informed about the availability of the California Mortgage Assistance Program until we had already accrued an outstanding debt of over {$80000.00}. Had we been aware of this program earlier, we could have availed ourselves of its benefits and avoided the current predicament.

Moreover, USBANK 's refusal to allow us to make regular payments throughout the modification process has further exacerbated our financial difficulties. Despite our requests, they did not grant us the opportunity to resume making our mortgage payments, which has placed us in a distressing position. 

This property holds significant sentimental value to us as it is the home where our children were born and raised. However, with the burden of high-interest rates and the current circumstances, we are concerned about the possibility of never being able to purchase a home again. All we desire is an opportunity to regain financial stability and resume making regular mortgage payments. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate our complaint against USBANK and take appropriate action. I believe USBANK 's handling of our loan modification requests has been unfair and has caused undue financial and emotional hardship.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: UT
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:
Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX XXXX XXXX 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 2022-10-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below. 

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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: MI
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting 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:
I received an alert on XX/XX/2023 that CAP ONE NA did a credit inquiry on me. I did not requested or authorized this action. I called XXXX on XX/XX/2023 to mark this activity as a fraud and on the same day I called Capital One to notify that I filed a dispute with XXXX. Capital One didn't give me information about the Inquiry, but they recommended me to mail a fraud report for them to conduct an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank close 3 of 4 card for me claiming it was because of security issues, please explain why one account is still active and Im the same person this makes zero sense. I provided and required documents. I attached screenshot of the account that is still open and the others that was closed. I also call them to update my address on the active account and they refused to change the address, Im XXXX XXXX in the military and for the pass 6 months Ive been moving a lot for training. Why cant I update my address on active account or set up online account to my payment to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with chase last year, they allowed me to cash XXXX  check for my wife and her cousin and I also deposited checks from selling XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX over XXXXXXXX XXXX ive tried talking to them the others have to they won't give my money back and closed my account.i went in the bank to the teller with the person every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/ my co borrower and myself we under contract which interests were at 6 % which was advertised on their website had a lower interest rate at the time. When we closed on the property the interest rate was at 7.5 % which we complained about at closing which we was force to sign the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I deposited {$10000.00} to Marcus by Goldman Sachs, after I received an email from this bank offering a bonus of {$100.00}. The condition was that I should keep the money for 90 days. Today is XX/XX/XXXX and its already more than 90 days left. After I check my account online and didnt see the bonus, I called the bank. Representative told me she is sorry, but I cant get the bonus, because I didnt applied for it. But I know that I completed all the steps.

Company response to consumer: Closed with explanation