BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me with unbelievable high and outrageous fees for overdrafts. And general fees. {$35.00} per transaction. This went on for years and years. I cant imagine how much they charged me on overdraft fees. XXXX XXXX XXXX of dollars

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 2017-12-18
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: FL
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:
PayPal responded to my previous complaint that looks jus as below : It's the usual lack of responsibility. 15 years ago I had to close my bank account due to the same fraudulent activity from PayPal as it is in this case. Today I received email from PayPal that I have message on their portal but I'm blocked to use it. Suggested by PayPal addition of debit card where PayPal will send money doesn't work telling me that debit card I provided is bad. I provided two Visa debit cards info. Debit cards I use everyday for groceries, gas and pay bills. But for this poorly run PayPal company " this are bad debit cards ''. PayPal has my home address on file. 
I have requested via registered mail prior to my account was blocked to send this funds by check ( with {$1.00} surcharge ). Never heard back from PayPal, never got the check. Tried to reply to PayPal email via " reply '' button, turns out bogus email address from PayPal returned to me. 
Tried resolution center " no cases have been found '' tried using " call '' button on PayPal website- it's not dialing. 
Simple words : criminal intent company like PayPal is not to be reached. PayPal is a fraud on American market. It was naive of me to start with PayPal again after they trashed my life once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Everytime i changed my passwords and user name my account was hacked online someone was trying to deposit checks from the state. After 2 times the hackers tried to deposit these checks wells fargo sent me a letter they were closing my account so my work checks wete sent back to my employers. It took me 14 days to get my checks because they were being returned necause they closed my account before tbe date they said. This was not my fault. Then the hackers got all my info and tried to open credit cards in my name

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 2023-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It XXXX Concern, I sent a request for mortgage assistance with Select Portfolio Servicing in regards tXXXX XXXX XXXX XXXX XXXXXXXX, XXXX and was requesting assistance in a payment plan or putting the payments at the end of the term so I could get back on track. I was given a payment plan that was totally unaffordable {$1400.00} a month for a year. I spoke with a young lady at SPS explaining that I couldn't afford that amount and if there was any way it could be broken up in 5 years or more so I could make the payments and my living expenses as well. I only clear $ 2500 monthly but I have to pay car insurance ( {$300.00} ), car payment ( {$690.00} ), utilities ( {$150.00} + {$60.00} ) ; gas to go to work and food. There is just not enough money and I was injured from car accident in XXXX so I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX so I've been trying to find a second job to supplement my income after work where I am at desk job but to no avail. 

I just want them to be reasonable and work a affordable payment plan. I am going to pay the principle payment only as recently became ill with a upper respiratory XXXX in XXXX, XXXX. 

Why can't these mortgage companies be accommodating to their customers. I've applied for the mortgage assistance and they always decline. I'm just trying to pay what I owe but in a affordable payment plan. 

If you can help, it would be greatly appreciated. 

XXXX bless you and thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Using the Venmo app I added {$200.00} from my bank account, it never appeared in my Venmo, so I call and they tell me it was refunded because of insufficient funds, I check my bank statement and I see that the {$200.00} did go through, the bank even charged me a {$36.00} overdraft fee for covering it. It was completed and finalized. None of this transactions appears in the Venmo app. I talked to XXXX different customer service employees but now I can't get a response. And also when they " refunded '' the money back to my account, the bank charged me a fee again. They took my {$200.00} out of my account without my permission then lied about it being there, I have all the bank records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I was coerced into opening a checking account while visiting the branch. I initially had a XXXX account at Wells Fargo and thats all I wanted. I wasnt told the checking account had a monthly service fee and the account was drained. When there was no money left in the account to pay the service fee, a cash advance was taken from my Wells Fargo credit card. That is what alerted me that the account had been drained and i was being charged a monthly service fee. I called Wells Fargo XXXX card company and was able to get the cash advance reversed however, I wasnt able to get those monthly service fees for the checking account credited. 
This incident caused me to close all of my accounts with Wells Fargo and move my mortgage away from the bank too.

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 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with Capital one and in XXXX I paid off the balance of {$91.00} payment was due XX/XX/2018 and apparently it posted to account 1 day late XX/XX/2018. 
i was incurred a late fee XXXX plus interest which I did not realize and because there was a balance there was a payment due in XXXX plus a another late fee of XXXX.plus interest balance increased and there was a payment due in XXXX plus another XXXX plus interest. Additionally they also added a member fee of {$39.00} so now that total balance went up to {$120.00} I called to find out if this can all be clarified and taken care of after speaking to 3 different people I was told there is nothing that they can do to help me. 
I was also informed that they are on XXXX  time and they have a early cut off so even if you are paying the payment on day it's due if you pay after a certain time its considered late. I was not aware of this process and explained to Capital one rep that I did not know this. Despite this fact I am being forced to pay all these fees. 
on top of it they reported me to credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo account was closed due to overdraft fees that I was charged and never refunded for also the monthly service fee I was opted out for. Also disputes I never got remembered for! Money still taking out of my account for canceled services

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 2023-06-14
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions is reporting a delinquent account ( account # XXXX ) on my major credit bureaus that I owe them/this company {$350.00}. I do not know what this company is. I have never conducted any business with Debt Recovery Solutions. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate Debt Recovery Solutions claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. Debt Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TrueAccord Corp.
State: TN
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:
Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. 
The email claims that I owe money and they will settle for a fraction of the original debt. 
Company is violating Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The company XXXX XXXX, and spinoff BM Technologies , IncXXXX ( also called XXXX XXXX XXXX ) refused to honor it's issued check numbered XXXX, acting as a payment agent. The check arrived via USPS First-Class Mail with a South Dakota return address. Calls to the phone number on the check ( around XX/XX/XXXX ) go to a call center that says that the check is stale-dated, and asks if I am a merchant. I am not a customer of the bank payment service company nor a merchant. The check is dated XX/XX/2022 ( XX/XX/2022 ) and was deposited electronically XX/XX/2022 and accepted by the accepting depository institution XX/XX/2022. The check was returned on XX/XX/2022 along with a {$10.00} Deposited Item Return Fee from the accepting bank. The depository bank can not give any information as to why there is a stop payment besides that the check may be stale-dated, which it was not. The check was deposited within six months after it's date. The funds need to be replaced for the check so that the the customer 's account is properly charged and there is a timely credit for the value of the check presented for payment. Contacting the principal doesn't help as its agent handles payment after the payment is authorized.

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 2023-01-22
Company: Radius Global Solutions LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions filed a collection status on my credit report, in XX/XX/2022, for a debt with XXXX that was not incurred by myself, but was a debt that was a responsibility of my mother in law, XXXX XXXX XXXX, who was living with me at the time of her death. This debt was originally taken on by XXXX XXXX, but was discharged after I informed them of it's lack of validity. This debt was bulk bought, and has damaged my credit worthiness. It was a bulk acquisition evidentiary.

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 2023-01-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date open XX/XX/XXXX Charge-off XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} JPMCB CARD has committed Securities Fraud against me and has take Securities against on me without my consent. JPMCB CARD has stolen my Identity and taken Securities against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2015 I attempted to open a XXXX savings account with some XXXX XXXX monies distributed, in only amounts of {$500.00} XXXX currency cheque distributed, but my funds were never received or cleared due to theft from the Branch Manager at the time. I was totally ignored and discriminated.and now I am unable to bank at any bank XXXX Oregon anywhere because of this dishonest and discriminating act on a XXXX XXXXXXXX XXXX! And how our monies get handled... please help with this. Nobody will assist or listen to my complaints for years, I'm absolutely furious.

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 2022-11-11
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: HI
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:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-04-28
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:
This is a follow up on report # XXXX ( 60 days no correction or proof of validation from the businesses ) FCRA XXXX has taken longer than time allowed. They said they completed investigation, but by law 15USC1603 ( Transactions Exempt ) 15USC1692e ( False Misleading ) They have not provided any validation and need to remove the following information showing negatively : I made this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments XXXX. XXXXXXXX XXXX XXXX Account # XXXX - 30 day please delete XXXX. XXXX - Account # XXXX Please delete 3 of the 30 day late. XXXX. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late ( This account is no longer open and active ). XXXX. XXXX XXXX XXXX XXXX remove all 5 late payments XXXX. XXXX XXXX - The account and late payments are in accurate XXXX. XXXX XXXXXXXX XXXX XXXX 30 day late payment. They need to show proof and validate what each business provided. I need to see the business documents provided to Transunion. Otherwise this is Fraud and needs to be removed, deleted and corrected to show positive.

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