BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Portfoli Recovery Associates, LLC I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, XXXX XXXX. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of XXXX XXXX. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a second mortgage on my home thru us bank. In the fall of XX/XX/2020 the bank notified us that the area where our home in has been reclassified and now lies in a flood plain. I obtained flood insurance thru my agent and fema. US bank is charging me XXXX dollars a month on top of my mortgage to pay for flood insurance. Despite me calling multiple times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and giving them my agents information to get my food insurance, they continue to charge me for this unnecessary insurance. I don't know where else to turn

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 2021-04-04
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX. I do not owe any money for XXXX XXXX XXXX. That is a lie and it was a credit card dispute with XXXX. They tried to charge me a month of rent, when I didnt even live there. They also kept my security deposit which is illegal. XXXX already handled this. XXXX XXXX lofts refunded me, and I refunded them. This should not be in collections or a debit collector. That is illegal what they are doing and fraud. They already were paid. I paid all remaining charges while I lived there as well. See more documents for proof. I also was recently sent updates from XXXX as requested to show you guys more proof, where they were even just recently credited. This again should not be in collections! Please contact XXXX. See all receipts in PDF file! Thank you again! 



Best regards, Mr. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: NC
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've filed multiple disputes on accounts that aren't mine due to ID Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a mail from Convergent Outsourcing dated XX/XX/2021. Stating that I owe XXXX XXXX {$650.00}. But if I agree with the settlement amount of {$320.00}, XXXX XXXX XXXX will recall my account and cease all collection activity. The letter said that if I agree, I have to call their office at XXXX. It was also stated in the letter that the letter is not an offer to accept 50 % of my debt as payment in full, but an offer for XXXX XXXX XXXX to remove my account from further collection efforts and they are not obligated to renew this offer.

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 2023-09-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-04-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/2023, received a letter from Selene Finance. Letter explained we have not received your Forbearance payment this month.

Immediately I called Selene Finance spoke to a representative, please see documents attached with my letter dated today to Selene.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2023-09-05
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It has come to my attention that Indigo Mastercard has falsely reported that I am 120+ days late on payments, even though my account has been closed following a ruling in my favor regarding an identity theft incident.

I want to emphasize that I have already been recognized as a victim of identity theft, and the ruling in my favor clearly states that I am not responsible for any fraudulent transactions made on the Indigo Mastercard account. The account has been closed to prevent any further unauthorized activity. Therefore, it is extremely distressing to see this inaccurate information on my credit report, as it could have negative implications for my financial standing.

To assist in resolving this matter promptly, I have attached copies of the official ruling in my favor, which clearly states that I am not liable for any fraudulent charges incurred. Additionally, I have included documentation confirming the closure of the Indigo Mastercard account as a preventative measure against further unauthorized use.

I kindly request that you initiate an investigation into this matter and take the necessary steps to correct this false information on my credit report. It is of utmost importance to rectify this issue as soon as possible to ensure the accuracy of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Eagle Accounts Group, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They charged my insurance for 2 appointments a surgery and an office visit. I never had a surgery I never showed up for that appointment, they fraudulently charged me for a visit that I never attended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called Capital One bank twice on XX/XX/21 to inquiry why I have to go though SMS verification every single time when I was trying to login on my phone. I talked to two representatives and they gave completely different and inconsistent answers. 

Representative 1 told me the reason was because I changed my phone number on XX/XX/21, which I didn't. My phone number stays the same since day 1 when I opened my account. 

Representative 2 came up with a totally different narrative and told me that's how Capital One bank is doing their business. According to him, Capital One expects me me to go thought 2 factor authentication ( 2FA ) every single time and said I was lucky for only need to do 2FA occasionally previously. He further stated that Capital One will stop sending me SMS codes after the 6th or 7th attempts, which means I will lose access to my online banking account. 

I also have a very hard time to understand both representatives due to their strong accent when I was trying to talk to the 2 representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously sent a letter to XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is our mortgage provider. Our loan was purchased by the company in XXXX  from our original mortgage provider. Our mortgage is escrowed for our taxes and insurance. We have never missed a payment and have always paid our mortgage in full and on time. 

On XX/XX/2021 I noticed that our escrow disbursement for property taxes did not match the quarterly tax bill sent by the city- it appeared to be underpaid by {$630.00}. I immediately called the company to report my concern. I was reassured that the bills were being paid through our escrow and it was not a concern. Not believing this to be the case, I followed up with an email ( provided ). I was told to mail a copy of my tax bill, which I promptly did, but received no response. I followed up and was informed ( now XX/XX/2021 ) that it was not received and instructed to email the bill instead. After emailing the bill, I did not receive a response until I followed up on XX/XX/2021. 

On XX/XX/2021, I received a notification from the company that the tax team followed up with the city and that they confirmed taxes were not owed until XXXX but failed to answer my initial question. I followed up to reiterate the question and was told that the company handles the escrow and provides a " cushion amount, '' dismissing my question. 

In XXXX we received a notice from the city that we were delinquent on our taxes. We followed up with the city immediately to learn that PHH had not been paying our property taxes. Upon a call to PHH we were told the payments had been paid. At this point we threatened legal action which elevated us to the escalations manager. 

In late XXXX we learned that our property taxes had been dispursed to the incorrect parcel starting in XXXX. From the city 's perspective, we are now significantly delinquent in property taxes, owing over {$9000.00}. 

PHH Mortgage has been working on the case since XXXX. We have been told that they will be refunding our escrow and will be covering the interest due and additional fees from the city. Every week I receive a phone call updating me on the case, with the only update being that there is no update. 

In XXXX, we received a notice from the city stating that if our property will be placed on the market in XXXX if the taxes are not paid. 

We have called PHH Mortgage on a regular basis to speed up the process, but it seems to be going nowhere. 

We are first-time homeowners who feel frustrated, terrified, and unable to pay for a lawyer. When our mortgage was sold to PHH - I read the reviews on the company and considered refinancing. I wish we had.

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 2023-09-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date of Application : XX/XX/2023 Requested Credit : Unsecured & Secured Secured Card : It appears that we have a bait and switch type of tactic being using as this Card is marketed for " rebuilding and establishing '' credit. 

Citi Bank has a recognized policy of extended credit based on relationship, and I've been a customer of thr bank for over 2 years. 

This Card does not present any type of risk to lending with the collateral secured by a deposit Only reason for denial would be to further hurt the financial situation, and not want to promote financial well being by the Card increasing the credit report positively, or XXXX discriminstion. 

Custom Cash Card : It appears that this card is being extended to individuals with XXXX 's credit score, and the current XXXX score is XXXX. 

There has been a long history of credit for 15-16 years with great payment history. 

Late payments are very good at XXXX out of XXXX payments paid on time and never late Income is average for the demographic. 

Inquiries I want these inquiries removed they are ruining my credit by black listing me and making me apply frivilously without ever obtaining credit. 

Every household is required to have a credit card for emergencies!

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 2020-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 Twice Equifax was called today to resolve a year long issue on freezing my credit profile. 

Equifax has been requested to via mail, fax, phone and online portal to freeze the credit profile and they have refused to do so.

Company response to consumer: Closed with explanation