BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: MO
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'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 XXXX XXXX XXXX XXXX {$610.00} 8 ) XXXX  XXXX  {$41.00} 9 ) XXXX  XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}

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: EQUIFAX, INC.
State: SC
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:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of Ed/XXXX XXXX loans 1, for XXXX and 2, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.

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 2018-05-24
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. 

As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. 



Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 did not authorize anyone employed by Capital One to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My tax preparer wrongly direct my IRS refund into my closed business account : Bank of America XXXX XXXX XXXX. When we finally located the funds that the IRS had sent to this account, it was not rejected and returned to the IRS but deposited. After talking to many representatives since XX/XX/XXXX, I could not get a straight answer. I spoke with a representative to give the new account address to send the refund of {$4500.00}. I was told to wait up to 15 days. I waited and nothing came. I called into Bank of America again only to be told a check had gone out to the old address and a ticket would have to be submitted to cancel the check. I was not told when I would be issued another check. On XX/XX/XXXX, I received a letter telling me to call the Global Account Closure department for assistance with my cashier check. When I called, no one knew how to access my account. I then call the XXXX XXXX XXXX and spent 2 hours on the phone trying to get help. They finally found my money and said a cashier check would be issued. I received the cashier check made out to my business name and had to open another business account with XXXX XXXX   in order to cash it. This was on XX/XX/19. I received notice from XXXX that on XX/XX/19 the cashier was returned. I have been on hold with customer service numbers for hours unable to find anyone to help me locate and receive my refund of XXXX. I have been devestated by this. Unable to pay bills. I am under extreme distress. Bank of America is holding my refund and I don't know what else to do. 

They have had my IRS refund since XX/XX/XXXX in a closed 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 monetary relief
Consumer complaint received 2019-03-28
Company: Green & Sons Agency, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called my work and my cell phone everyday from XX/XX/19 thru XX/XX/19 for a debt of {$21.00} that had been paid. I want their company fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX XXXX and I'm a XXXX  XXXX XXXXr with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX  and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message claiming fraud alert from my bank account saying someone tried to XXXX  {$2000.00} and it said reply yes if this was you or no if this was not you so I replied no and a couple minutes later I received a call with the chase customer service number and he said to avoid the money being drafted I basically had to XXXX my money to myself so he had me create a XXXX account with my email address to send the money to myself and I told him I didnt even have that amount so he said just transfer what you have which was {$410.00}, so the money was taken out of my account and I never got it back and then he just ended the call. My bank said they would not refund my money because I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have hired an attorney to try to resolve my student loan matter and get me on a payment plan. 
I was dealing with XXXX XXXX at Professional Bureau of Collections of Maryland Incorporated. I  have repeatedly tried to submit my pay stubs and the requested documents. The collection company does not call me back and has not processed my request to get onto a payment plan. I have been trying to repay this loan since XX/XX/2018. The collection company just intercepted my tax return and continues to NOT call me back to deal with the balance of my account. Meanwhile my interest and penalties continue to accrue. Professional Bureau of Collections of Maryland is purposely NOT communicating with me so the fees and interest go up. I am unclear what I can do at this stage. I would like a balance owed and I would like to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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 disputed this debt on several Occasions and the debt collectors portfolio has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are portfolio recovery and XXXX please remove these account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Linebarger Goggan Blair & Sampson Llp Have been sending us multiple unpaid ticket fines by local governments to me by email. The dates dont even match and I dont currently have any unpaid tickets. I have been receiving multiple letters under different peoples names stating we have an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX of XXXX and XXXX of XXXX Iowa Student Loan/XXXX loaned me two amounts {$5800.00} and {$3700.00}. No problems with that but as I learned about repayment and and interest rates when reviewing things I learned that my interest rate was 8.4 % fixed rate. I tried refinancing a few years back when my husband mentioned how high that was, and at the time I didn't care much i was doing my job by just paying my debt. Now today, I opened my account to review it again and just realized what I've been doing and how I'm getting taken advantaged of. Those two loans total {$9600.00}, however the payment history showed that I have paid {$18000.00} to date- that's twice the amount of the loan. And to brake it down {$6200.00} for a principal and {$12000.00}. I'm outraged by this, I feel like that have taken advantage of me and now here I sit with a feeling that this isn't right at all. I still owe {$7000.00}. I feel like i've been ripped off. That they are just reaping in the benefits of all this interest and here i am stuck paying this loan off till i'm XXXX. How can this be right?

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 2020-05-11
Company: ERC
State: LA
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 noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear Consumer Financial Protection Bureau, I am XXXX  and I lived in CA for two years with a XXXX XXXX. During this time, I worked with XXXX authorization with a XXXX, and I spent around USD {$180000.00} a year ( USD {$100000.00} only in my credit card ). Now, I am coming back to CA to do my XXXX, and I would like to get my credit score. However, the system was not able to get my credit score. Even my bank was not able to see my score ( XXXX  XXXX ). Please, let me know how I could get it back. 
Best, 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 2020-05-01
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a call from a collection by the name of Cedar business services company to inform me I have a debt to be paid. I paid the debt off in total in 2 payments. This was my first time being informed that I had debt in a collection. The collection company stated once I paid in total this collection would go off my credit reports within 15 business days. I have also contacted XXXX university which is where the collection agency stated the collection came from and they stated that they had been in contact with me and I have not received any attempts to contact. The way this was handled my credit report is being affected and I have took all necessary action to correct this once having the knowledge of this matter. However, this is issues is still on my credit report and is affecting my credit score. I would appreciate if you guys would be so kind to assist with this matter. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
American Collections Enterprises XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This collection agency called my employer and scared my secretary. I do not know how they obtained my work number. They embarrassed me in front of my cowokers. 

I have never given this organization my number or authorized them to give I have never entered into a contract or have any business relationship. 

They are saying I owe them a debt to which has never been validated. I am demanding them to cease and desist any and all collection activity to include, but not limited to remove any and all negative reporting on my credit and reports and to never to contact my via phone work or personal. 

This debt has never been validated so I dispute any and all claim that I have a debt with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The company XXXX XXXX XXXX XXXX made a hard inquiry into my credit. Ive never heard of this company, absolutely did not authorize an inquiry, and can not find contact information to get a hold of the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital one is reporting as factoring for an account sent to collections. It also has incorrect payment history. The account was opened on XX/XX/XXXX the last payment on the account was on XX/XX/XXXX. XXXX is reporting the last payment date of XX/XX/XXXX which is inaccurate. Additionally, the charge off has been reported in XX/XX/XXXX which is inaccurate and intended to re-age! Previous reports prove the Charge off occurred in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In 2017 I sought treatment from XXXX XXXX  in XXXX Ohio. I was given a credit card with XXXX XXXX. Although I attempted to resolve issues with both the company and bank I received circular referrals that led no where. I recently completely paid the {$3000.00} even though the service was painful and unsuccessful, and to me, medically unsound considering my condition. I simply wanted to be done with it after repeated efforts to seek recompense short of a civil suit.Now the bank is charging me an additional {$1500.00} deferred interest. I am a senior, in the process of being determined XXXX. I filed with the XXXX  and am filing on XXXX  XXXX as I have seen other complaints against XXXX XXXX and have received emails from other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XXXX of XXXX I went to take money off my cash app card wasn't able to get the money off, I called a number on XXXX   thinking it was cash app customer service representative where I thought he was helping me get my account back on track but he ended up taking XXXX dollars out my cash app account and XXXX   out my wife XXXX XXXX XXXX account, and XXXX out her cash app account. Cash app sent a answer and questions list for their investigation. It shows where my original email was unlinked to the account. I sent in all information that was asked for the 45 days for the investigation was up on the XXXX of XXXX  not one email has been answered pertaining to my follow up emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Early Warning Services, LLC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of an elaborate online scam in which I ended up transferring XXXX dollars to someone who never reimbursed me. The transaction ( which came from my checking account ) was done on Zelle. The scammers Zelle account was XXXX XXXX and their email was XXXX. Although I spoke to my bank ( XXXX XXXX ) nearly a dozen times, and called Zelle XXXX times in total, I never got answers or an attempt at reimbursement.

Company response to consumer: Closed with explanation