BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 have filed several disputes with XXXX XXXX XXXX and Portfolio Recovery Associates and XXXX  XXXX  and XXXX. This is an identity theft matter and I have executed an identity theft affidavit and statement to or with Portfolio Recovery Associates and submitted this to XXXX XXXX XXXX. XXXX XXXX XXXX and Portfolio Recovery Associates have continued to report this fraudulent item to my credit report causing me to not get a Covid loan for an emergency due to this report. I am attaching to this complaint the affidavit of identity theft and accompanying documents. This is NOT my debt and I did not open or authorize this account to be set up in my name with XXXX XXXX XXXX and Portfolio Recovery Associates, yet they keep reporting this erroneous debt in violation of the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt collection from Aargon Agency on my credit score. I have absolutely no idea who they are or what this is about.

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 2021-04-26
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My complaint is with Binance.US. I believe what theyre doing to me and other customers are criminal. They are holding my funds hostage and disabled my with drawl, trading, and deposits so literally no way to regain functions. Worst part is my money has been stuck in doge coin constantly going up and down and have lost over 100 thousand dollars due to these limitations also recorded me trying to withdraw and not being able too. Over the past 2 weeks Ive lost XXXX and issued many support tickets and never get a reply and one time I did and it was not related to my complaint I told them and then never heard back. On XXXX 2021 Binance.US sold two orders with no permission one for {$10000.00} and another for XXXX . I need this funding for a XXXX for XXXX and this is a urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company, NewRez, LLC. charged me a fee of {$5000.00} for a Forbearance Plan ( XXXX, XXXX & XX/XX/2020 ). The said fee is described as " Interest Per Diem From XX/XX/2020 To XX/XX/2020, 121 Days@XXXX '' on the closing statement. This is extremely excessive and unbearable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2017-08-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase at Best Buy using my Best Buy Card and accepted their promotion to receive 0 % interest for 12 months. What they do not make clear, is that NONE of your payments will be allocated to this promotional balance, but instead they go to your revolving line of credit. This is a very deceitful and underhanded way of treating this " promotion '' ( SCAM, more like ), and it has just caused me to be hit with a {$280.00} interest charge. And that 's not to mention another one of these scams that I would guess cost me previously, as I did not discover this until just now. I have contacted their credit management team, spoke to a rep named XXXX, and she offered to " allow me to pay off the remaining balance of the promotional credit '' and have the charge reversed. Well, that is not OK, because I was already under the impression that I HAD been paying this off, and I did n't have an extra $ 400+ to pay right now. Utterly scandalous cash grab by a large corporation ( Citi ) against the consumer, and I will likely never get an acceptable resolution. I understand that credit card companies like Citi have the cards stacked in their favor, lawyers and accountants scheming clever ways to mislead their customers, and I am sure this will all be deemed acceptable in the end. However, when I am acting in good faith and making monthly payments, an EXPIRING promotional balance should be the FIRST to have my payments allocated to it - NOT the revolving line of credit. Here I was thinking I am getting a " deal '', only to wind up being deceived and overcharged in the end. I will be striving to close this account and allow Citi to receive as little more money as possible from me. This will also affect how often I shop at Best Buy in the future. Very disappointing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tryed to pay this debt when i found out about it. They called my wife and she told them to send her a bill and she would be happy to pay. And they replied that they had sent one several months back and it wasnt there responsible to send another one. So o went on line and tryed to pay it and it said ii need the case number of the statement that I recieved in the mail that i dont have. So im where we are now. Any help with this matter would be appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: OPORTUN FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I wrote to Oportun ( formerly known as Progreso ) at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Financial Data Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.

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 2021-02-04
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:
I have filed several requests for XXXX  XXXX  and Transunion to remove a fraudulent item from my credit report under the name of XXXX XXXX  XXXX  and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  XXXX  and Transunion  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX  XXXX  and XXXX  XXXX  XXXX XXXX and Transunion clearly stating that I did not open or authorize any account from XXXX XXXX  XXXX  and XXXX  XXXX  XXXX. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account

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 2022-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our mortgage company, Mortgage Capital Associates, delayed closing on our home loan due to negligence and sheer ineptitude. My wife and I were scheduled to close Monday, XX/XX/XXXX. We had an appointment scheduled for XXXX and our loan officer and her manager were not ready to close what-so-ever and had not correctly prepared Closing Documents by the date required to close. This delay caused loss of income to my wife and I, since we were unable to report to work. They rescheduled to close early in the morning, XX/XX/XXXX. However, Mortgage Capital Associates had still failed to furnish documents to our title company due to, once again, sheer negligence and ineptitude. Serious delays to our closing cost our family time and money. Mortgage Capital Associates has no business furnishing capital to anyone. They are unprofessional, incapable, and most importantly, in breech of contract. I would like to advise the Consumer Finance Protection Bureau, as well as the general public, of their unfair business practices regarding my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2018-07-09
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had 20 student loans with Sallie Mae in forbearance. Sallie Mae and Navient split and 10 of my loans somehow defaulted. Sallie Mae did an investigation and stated they made a mistake but I would need to send certified letter to Navient to buy back loans. Navient refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to Navient and they are unwilling to update the status to NEVER LATE. Sallie Mae " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the Navient and Sallie Mae loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if Sallie Mae hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. Navient 's devious tactics can not continue to ruin people 's lives. After I disputed Navient started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was not updated or notified on the status of my investigation.

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 2019-05-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i asked for detailed information with my signature etc, i have still not received any documents, and company continues to call me and my job on a regular basis after i asked them to send me information about this and to stop calling my job, and send me the information to my home address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi there, I am an international student holding a student " F '' Visa. 

I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all.

Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX  XXXX XXXX, XXXX XXXX, XXXX. 

And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.

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