BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: NV
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a police report to XXXX in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 collections from Simon agency I asked them for my identity proof of my I'd, social security card, the bill etc to prove that its mine and they cant prove Along with XXXX XXXX I dont know what that account is I asked for verification of validity for that as well no proof I need those items removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX. I am a XXXX XXXX XXXX  male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX   ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX   factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent XXXX, a collection agency, is contacting me to try to collect a cell phone debt that they previously accepted a reduced balance over 2 years ago. They tried this tactic last year and when they were told to stop because they accepted a reduced balance, they said they would not contact me again. Now they have called me on my cell phone and sent me a notice, again offered a " reduced balance amount. '' Convergent XXXX clearly does not honor reduced balance offers. They must rely on the fact that the balance was paid so long ago that I do not have document to prove what I paid and the notice they sent.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-06-23
Company: EQUIFAX, INC.
State: DC
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:
On XXXX and on XXXX I ask that Equifax to removed all hard and soft inquires from my credit report. These hard and soft inquires don't have an account associated with them. Under 15 U.S. Code 1679c Disclosures- the law states :. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service 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 2023-06-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.

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 2018-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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've contacted Portfolio several time to provide me with charges made on the account showing a total of {$2400.00} They have only provided a statement balance but no charges showing being made on account being reported. I'm not aware of the charges and have now reported the charges as fraudulent charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime Bank closed my checking account with them and reversed a cleared transaction. Upon inquiry they claim to have no record of the transaction taking place. 

I paid {$58.00} to XXXX on XX/XX/2020. The transaction completed successfully and I received a receipt with a confirmation number from XXXX. 

On XX/XX/2020 I received an email from Chime stating they have closed my checking and savings account I had with them. They neglected to state why. 

At the same time, I received notice from XXXX that a payment reversal had been issued at XXXX XXXX on XX/XX/2020. 

Chime states that they do not have record of this transaction ever taking place. They made no acknowledgement to the whereabouts of my money after I asked where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. On Monday, XX/XX/2019, I received a check from XXXX  XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on XXXX XXXX. 

2. I deposited the check to my personal checking account at Bank of America, using the mobile app. 

3. The app stated that there would be a standard hold, and that the funds would be available the following morning.

4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XXXX XXXX, at XXXX XXXX. - yesterday. 

5. The funds were made available at around XXXX XXXX. 

6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 

7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 

8. I called BOA. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX 

9. I called at XXXX XXXX. but the line for agents was not open. 

10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by XXXX XXXX on behalf of XXXX  XXXX XXXX. 

11. I then called a XXXX XXXX  branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 

12. It is troubling that BOA says there was a stop payment, but XXXX XXXX says there wasn't a stop payment. 

13. I left an urgent voicemail for XXXX XXXX at Bank of America corporate office,  but have not received a reply as of this time. 

14. XXXX  XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX today. 

15. XXXX XXXX, XXXX XXXX branch manager, called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by XXXX XXXX or whether there was a stop payment. 

16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.

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 2021-09-16
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
when I received a copy of my background check there were addresses on there that I never lived at before and there were charges that I was never found guilty of on there which caused me to get turned down for a job. I believe it was because they only searched my first and last name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety.I have no knowledge of this company or alleged debt. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Braviant Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX XXXX was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX XXXX if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX purchased my home in XX/XX/XXXX. After sixteen years of ownership and living in my home with several mortgage holders over the years, my mortgage was turned over to Select Portfolio Service , Inc ( SPS ) in XX/XX/XXXX. Due to the Nevada housing bust during the recession, I was offered a loan modification by SPS to lower my APR rate and mortgage. So, I applied for the loan modification however, the modification process has taken a very long time processing. Ive been asked to resubmit the required forms over ten different times for one reason or the other. Finally three months ago I was fortunate to get some assistance from a very helpful SPS agent XXXX that offered his time to assist me through the whole process on their website to make sure no mistakes were made on the required forms. This time after all the required forms were submitted properly, I was informed that I didnt qualify for modification due to the fact that my income was too low to cover my mortgage! So, I requested a breakdown of my mortgage balance at first they said that my account information was Interest Bearing Principal {$220000.00} and Deferred Principal {$350000.00} Totaling at {$570000.00}! When I called and question this outrageous amount after all these years of living in my home and paying my mortgage, they instructed me to put my request in writing which I did and now they have come back to claim that their figures are not only right but the Itemization shows that I owed {$620000.00}! Ive been asking for justification for how I came to owe more than three times the original amount of my home after sixteen years to no avail. 

I do have supporting documents to my home ownership! Yes, there have been late payments during this modification process but owing 3 times the amount of the original cost of my home is not right or fair! I was informed that I may be a victim of a predatory lending and to seek CFPB assistance. Thanks for your assistance in this matter! 

Yours Truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation