BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently discovered this collection account on my credit report. I have no idea what it is about and never received a letter of right to dispute. Credit reporting laws require that I be given proper notice and time before any collection activity is started against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: OH
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 have had a personal line of credit withWells Fargo. I had made a payment on this line of {$720.00} on XX/XX/2021. Evidently, they did not receive this. I then called them to assure this would not get reported to a credit agency and we agreed to go on a payment plan. Then, the account was closed and I was to pay {$650.00} per month and I was assured this would not go on my credit report. Unfortunately, it did. I was misled by Wells Fargo. 

In addition, They have not been accessible by phone. When I spoke to them in XXXX the account was to be " reset '' and no adverse credit reporting would take place. Unfortunately. my credit has been impacted almost 100 points. This is particularly unfair since I took the proper steps in managing this account. I was proactive.

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 2019-11-20
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was told by my bank, XXXX XXXX, that I have no credit report in the United States. Consequently Equifax/XXXX  have not given me a score. I question this because, I have a credit line with XXXX XXXX  that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX XXXX  XXXX and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with XXXX XXXX and receive my US Social Security there. My concern is how can I have no credit history when I have one with XXXX XXXX which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX Score because I have no US history. Does my history with XXXX XXXX not count or has it not been reported? I've been with XXXX since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: NY
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:
I call XXXX, EQUIFAX and XXXX sent certified mail from them to remove unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The agent of this companny called DINAMIC RECOVERY SOLUTIONS, have called repeadetly fron a phone number from a individual person not associated to this companny and using a name of XXXX XXXX, have called many times even though after many times they have promissed to delete my number because of a mistake they did. This agent associated my last name with the one of another person and since they don`t have form of contact them is trying to get to them throu me, even after many times I have told them I don`t know such person they keep calling and promissing to delete my number. If you dont resolve this matter I think will be time to involve the courts since they are just abusing and don`t want to understand I have nothing to do with them and keep associating my name with a delincuent account that don`t correspond and I don`t have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
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: Account information incorrect

Complaint:
I am writing to report a violation of the Fair Debt Collections Act by XXXX XXXX XXXX. There is an account XXXX listed on my credit report by XXXX XXXX which has been re-aged. XXXX XXXX XXXX deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park the debt on my credit report. Prior to XXXX XXXX, the Date of First Delinquency was listed as XX/XX/XXXX by Equifax. 

XXXX XX/XX/XXXX, I was notified by credit monitoring, the collection account was removed from Equifax, XXXX, and XXXX as the account was approaching the 7-year reporting deadline. In XX/XX/XXXX, I was notified once again that I had a new account in collections on my Equifax report as of XXXX XXXX, XXXX. When I pulled my Equifax report on XXXX XXXX, the report displayed the exact same account XXXX re-added to my report with a new First Date of Delinquency of XX/XX/XXXX, 5 months beyond the credit bureaus reporting expiration date. 

To prove the Date of First Delinquency changed, can provide documentation from not only Equifax, but from XXXX  and XXXX  as well. They all show the account was to be deleted by XXXX XXXX, which is consistent with the Date of First Delinquency being XX/XX/XXXX. 

In XX/XX/XXXX, I asked Equifax to investigate, but they closed the investigation and updated my report to read XXXX disputes after resolution. Equifax has allowed XXXX XXXX XXXX. to violate the XXXX XXXX XXXX XXXX by falsifying my credit history and knowingly re-aging an account with the intent to cause further damage to my credit. This illegal behavior by XXXX XXXX XXXX indicates me they knew Equifax would overlook my complaint, and that XXXX XXXX XXXX will continue to negatively re-age the delinquency status in an attempt to deceive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macy 's is the only credit card that will send me a bill and after I pay it in full I receive another bill. After contacting them, they claim it 's additional interest.

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 2017-10-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: North State Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I put down XXXX on my vehicle but it doesn't show like I put anything down it's showing like that was my credit down payment information was put out saying they or someone has to pay me that money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Penn Credit Corporation
State: CA
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 recently discovered 6 different collectors that was recently reported to my XXXX  credit account that doesnt belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I ordered an item from XXXX. I paid $ XXXX via Paypal XXXX I immediately received a notice from XXXX that the item I ordered was out-of-stock. The retailer also refunded the purchase immediately. 

Days later, the refund is still not available to me. I contacted Paypal twice to request that my funds be credited back to my account. I was told that this is not possible. 

Paypal now has a " hold '' on the refund, and is refusing to release the funds until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2022-05-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There was a payment sent to me of {$450.00} on XX/XX/2021 in exchange for trip service, In order to send money through Venmo you have to know the receivers first name, last name, last 4 numbers of social security and phone number. These security reasons are put into place to prevent fraudulent activity. I got an email on XX/XX/2021 stating that I violated an agreement because the sender reported the payment as unauthorized. There are certain procedures you have to go through to authorize a payment and that was done. 
So Venmo allowed someone to send money receive a service from me and report the payment and took the money out of my account and shut it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2017-07-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?

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 2017-07-29
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is 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 monetary relief
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: OH
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/XXXX, SYNCB/AMAZON add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2016, my account was closed by Bank of America in which they claim fraud was done on my account. I would never, and have never competed fraud in my life. One of their atm 's were not working correctly one day as I was trying to make a cash deposit. It took the money then spat it out and delivered an error message receipt. I went to the next atm at the same location and did the transaction again. It went through the second time but on the app the cash deposit wasn't available immediately look it should be. I called to report this inconvenience and they were starting an investigation. A few days later the errors had been worked out and we assumed the issue had been resolved. A week later I received a check from Bank of America for the remainder of my balance and a notice that they had closed my account. All of this was crazy but fine until I tried to bank with others and was told I couldn't because I had been reported to XXXX XXXX, and XXXX XXXX. I need to be able to bank with others. I am a XXXX  year man with a family and its been very difficult using prepaid cards. Please help!

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 2022-05-02
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Please provide me with your statement of the amount owing as of XX/XX/2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I would like to make arrangements to settle the above referenced matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 Capital One and XXXX from Customer Protection froze my account with {$93000.00}. Over an apparent mistake fraud claim by ONE XXXX  payment, which has since been resolved. Furthermore, accounts held by white/caucasian have been able to remain open with multiple fraud claims, but me being a minority has made me a target during a global pandemic for unfair lending and banking practices. The hold times to speak to someone are upwards of 1-2 hours.

Company response to consumer: Closed with explanation