BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: TX
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 have reached out to both XXXX and experian multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with experian and showing XX/XX/2017 with XXXX. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.

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 2018-03-21
Company: Receivables Performance Management, LLC
State: OH
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 am a victim of identity theft and my ftc theft report number is 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 2018-07-21
Company: Northern Service Bureau, Escanaba Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northern Service Bureau has accounts listed that are my Ex-husband 's. I have tried for years to have them remove the accounts from my file but won't. We have been divorced since XX/XX/XXXX. 
XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} XXXX opened XX/XX/XXXX XXXX XXXX {$40.00} I can't set up a payment plan on accounts with them when there are accounts on my report that are not mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX XXXX ext. XXXX Has been calling any person they think I know saying that I haven't paid a credit card bill and also how late I am and how much owed. The last person they called I have not been associated with in over 16 yrs, which was my child 's father. This is very embarassing to have my business told to someone that has nothing to do with my life and living situations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/29 I opened a dispute claim for several charges on my account that we're not mind their policy is 90 days and if they do not hear from the consumer and 90 days that the money automatically gets refunded back to me they have not heard from the consumer it's been well over 90 days and they're still not giving me an answer their solution was to escalate they said the turn time is three business days it's way past the three business days they filed another escalation I've waited another three business days every time I call it's the same story over and over again they are not getting me my money back they are not giving me answers they're not giving me anybody I can talk to I also open another dispute for airline tickets that I paid for that I never received they denied the claim and gave me no explanation as to why it was denied I am owed almost {$6000.00} here I am sick and tired of the games they don't even speak English it's another country that I'm calling and they have no solutions for me no explanations other than they are sorry they will escalate I keep getting told the same thing over and overnight

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I took out a used auto loan through XXXX XXXX XXXX with Westlake Financial Services in XX/XX/2019. I called the bank mid XX/XX/2019 to let them know that the vehicle was returned to the dealership because it was disabled and couldnt be driven. The bank was informed that I received my down payment deposit back from the dealership in the end of XX/XX/2019 and the dealership already started the buy back process with the bank. I called the bank multiple times to see why the account was still opened in my name, they wouldnt give me any information stating that its between them and the dealership. When I contacted the dealership I was informed of the dealership paying the loan back through Westlake flooring program that takes payments monthly until the loan is paid in full but what I want to know is why am I being penalized with an open loan in my name for a vehicle I no longer have that the dealership took over the payments to buy back. As per contract I do not have the vehicle, as it was never repossessed and when it was returned I didnt owe any money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I have noticed credit inquiries on my credit reports that I did not authorize. I have reached out but they will not assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: AVANTE
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with Experian TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had XXXX XXXX as my home owner insurance for 14 years. XX/XX/2020, I was looking to switch companies to XXXX. They were not supposed to take any action until I completed the walk-through. My policy with XXXX XXXX was until XX/XX/2020. I decided not to follow through with XXXX and cancelled on XX/XX/2020. XXXX sent a bill to Fay Servicing in the amount of {$2400.00} without my permission. Fay Servicing applied XXXX as my hazard insurance company without verifying with me. Fay Servicing sent payment to XXXX on XX/XX/2020. XXXX sent me the refund check and I deposited. On XX/XX/2020, I received notice from XXXX XXXX that my homeowner 's insurance policy was not paid. On that same day, I contacted Fay Servicing to inform them they were not supposed to pay XXXX and now my policy with XXXX XXXX is overdue. The Customer Service Rep instructed me to send the declaration page from XXXX XXXX and Fay Servicing will submit payment with XXXX XXXX. On XX/XX/2020, I sent the requested information to XXXX. I called Fay Servicing on XX/XX/2020 because I noticed the change had not taken effect. I called Fay Servicing again on XX/XX/2020 and explained the situation. This time XXXX ' asked me to send her the same documents and she would send them directly to Escrow. I also made a payment of {$2400.00} applied to my escrow account. I called Fay Servicing on XX/XX/2020 because the change still had not taken effect. The representative assured me the process would be completed by Friday, XX/XX/2020. I have checked my account daily and the change has not taken effect, nor has XXXX XXXX been sent the money for my homeowner 's insurance. I called again to Fay Servicing on XX/XX/2020, to inquire about my insurance payment. Once again, the representative, said they would check into it for me. I have never received any call back or correspondence from Fay Servicing about this matter. When I log into my account, it still has XXXX listed as my homeowner. I have received another overdue notice from XXXX XXXX on XX/XX/2020. I am still being charged for homeowner 's insurance as part of my mortgage payment. The only number to call is XXXX. I can not get access to speak with anyone from management to get the issue resolved. When I click on the Message Center > Contact Us link on the website ( fayservicing.com ), I receive the following message : System Error We're sorry, but an unexpected system error has occurred. We are unable to process your request. 
On XX/XX/2020, the {$2400.00} escrow money was applied back to Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX 30 day late XX/XX/2014 2014

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 2021-09-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding PHH Mortgage.

I received a check from PHH Escrow Analysis Department on XX/XX/XXXX with the check number XXXX. The value of the check is {$6700.00}. 

I forgot to cash this check that time. 

I have been working with XXXX since XXXX, XXXX. Up to this point, I have not been able to get this check reissued. 

I called on XX/XX/XXXX, spoke with XXXX, ID # XXXX. He promised me he will take care of this. 

I didn't receive any check, by XX/XX/XXXX, I called again, and spoke with XXXX, ID # XXXX. I got the same promise. 

I didn't receive any check, by XX/XX/XXXX, I called again, spoke with PHH representative whose ID # is XXXX. I requested to speak with supervisor, and I was transferred to XXXX, ID # XXXX from PHH 's Escalation Department. XXXX requested me to email him details of this check and he promised me he will take care of this. I emailed him with a scanned check image on XX/XX/XXXX. 

I still had not received my check by XX/XX/XXXX, two weeks after the last call. 

By XX/XX/XXXX, I called XXXX again with his extension, XXXX. There was no answer, I was transferred to XXXX, ID # XXXX. XXXX told me that my check was issued on XX/XX/XXXX with check number XXXX. XXXX also told me I should anticipate the check in about 10 days. 

By XX/XX/XXXX, I still had not received my check. I called again, spoke with XXXX, ID # XXXX, this call was somehow disconnected. I called again and spoke with PHH representative, ID # XXXX. He promised me that he will check with the Escrow Department and will call me back on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX, ID # XXXX. He requested me to wait until XX/XX/XXXX. If I still have not received the check by then, he would send an overnight mail with my check on XX/XX/XXXX. 

I still had not received the check by XX/XX/XXXX. I called PHH again on XX/XX/XXXX, and spoke with XXXX, ID # XXXX. He promised that he will reach out to XXXX. He also told me PHH should be able to issue an overnight mail with my check with no problems. 

By now, It has been 3 months since working with PHH to get my money back. I still have not got anything. 

Thus, I am submitting this complaint to CFPB now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To begin with, the complaint is two-fold. One, Portfolio Recovery Associates have been calling me multiple times at my place of employment. I had told them several times that I am at work, and I can not be on the phone. Portfolio Recovery Associates have been calling me at work to discuss an old XXXX XXXX Account and XXXX   XXXX Account. On XX/XX/2018, I have contacted Portfolio Recovery systems to see about the XXXX XXXX Credit Card debt that is in my name, and to provide a resolution to resolve the accounts. Portfolio Recovery informed me that they can not resolve the account with the first amount that was being discussed to resolve the account. They then informed me that they can only resolve the account for {$390.00}. I have informed them that I am unable to resolve the account for that amount, and to see if they can work out a resolution. I informed them that I will contact them later to see what can be done. I contacted them later on that day. They informed me that the amount can only be {$390.00}, and a manager signed off on the agreement, although I have never made a verbal nor written agreement for that amount. Originally, the amount was {$660.00}, then it changed to {$650.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a physical paycheck from my employer due to my employer stating they had issues with transition to a new bank & it was going to unexpectedly cause an issue with direct deposits for this check. I was given my check by my employer and deposited it into my checking account ; there is a history of a direct deposit from this same employer with no issue previously. I received an email that Huntington Bank was holding my funds due to no history of dealing with this employer, even though in my bank records there is a history of a deposit from current employer two weeks earlier. I showed proof of this and Huntington refused to listen and stated that this was not enough proof, even though they acknowledged that it was the same employer, I have no history of fraud on my accounts and the money from my direct deposit from my current employer cleared without an issue. When I asked for them to at least release {$200.00} of my check, they continued to refuse and stated the hold on my check wouldn't be released until a week later, despite their acknowledging that there was a previous deposit from current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
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:
5 fraud accounts are reporting under my equifax credit file, these accounts were opened with out my knowledge, i did not apply to these accounts, attached you will find these account names and the dates these were opened, i had been a victim of ID theft and these are the results for these accounts reporting under equifax, they have not been able to help and were not helpful at all, i have tried to disputed with all the bureaus XXXX and XXXX   were understanding, except equiafx, and they either dont dispute or try to get rid of me with their security questions. please help me, i have been in a very bad situation wit in the last three years and i have done my best to resolve these inaccuracies, if i had the financial situation i would have hired a lawyer to file these complaints but unfortunately i do not, i need you r help to go through this though time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Veros Credit, 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 have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: SRA Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from XXXX XXXX XXXX for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted XXXX XXXX XXXX about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to XXXX XXXX requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: I.C. System, Inc.
State: LA
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:
Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. 
The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. 

IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana

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 2021-02-02
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This AM I received a email from experian stating there was a dispute open for XX/XX/XXXX However I never asked XX/XX/XXXX to open a dispute against XX/XX/XXXX. The account that they opened a dispute against is a 100 % accurate account. I called Experian and they stated they claimed I contacted them and reported that account as fraud. Which is a complete un-true statement. I contacted them about a fraudXX/XX/XXXX that they have since rectified. However they only acknowledged one of those request and it took 2 times so I believe the confused the two. I was told that since it was opened under fraud it can not be canceled and I have to wait. So I asked for a manager and was not provided one. Experian need to cancel the dispute as I have active accounts withXX/XX/XXXX and this can interfere with them.

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