BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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 mailed off my letters off on XX/XX/2021 with my FTC report well as FCRA 605B ( 15 U.S.C. 1681A States ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. XXXX Equifax & XXXX all have violating my consumer rights by not having these items DELETED within 4 business dates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is response to my original report XXXX about PORTFOLIO RECOVERY ASSOCIATES INC. in response to there XX/XX/2018. 

A copy of this letter was also sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I had a credit card through Victoria Secrets and they closed my account without my knowledge. And I was updated on my payment when they closed the account. I only owed XXXX out of a XXXX balance. And I was not told what or why it was closed. I got this card to help with my credit do to we are going to try to buy a house in XXXX.And I really don't think this should be on my credit I didn't close it .They let me spend money on it one more time then sent me a new platinum card and then I tried to use it and they said the account was closed. I called them to see what the problem was and they said they closed the account. I said why she said they would send me a letter .That I never received so I am disputing this on my credit. I no longer have the card so I don't have the card information the last four digits of my account is XXXX exp date is XX/XX/XXXX and it was closed on XX/XX/XXXX with a balance of XXXX and bought things the week before this. So I just think that it would only be the right thing to do is to take it off my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the local carpet store being new to XXXX and wanting to support local business. The dealer XXXX XXXX took the order and said it would take a week to ship the carpet from GA. I said that was ridiculous but okay let 's schedule install date. We did for 2 weeks to allow carpet to be in their store.

They ever ordered the carpet and said it would take a month. I had given them a deposit on my Bank of America Credit Card. I called the mill and they said from GA to XXXX it would be 2 days, that the carpet had not been ordered was not a special order carpet as it was free run wall to wall not a designed cut and bound one which would take a week.

As it had been three weeks, and one can go to any carpet store in America and pick regular stock and it is ready to be installed that week, if not the next day or 2, I said I was cancelling the order that I no longer believed anything the dealer said as I had previously worked in carpet and flooring.

They said fine, but they were due a cancellation fee. I said no, it had never been received and according to the carpet mill never ordered. It was never in stock at the store. They said well they had to pay the Mill a restock fee. 
I patiently explained that was an issue and contract provision between the store dealer and the Mill, it did not include me and I would not pay a restock or cancellation fee. I believed the Mill and the dealer never ordered the carpet.

I called Bank of American, they agreed with me and reversed the charge to the dealer. All was well, until the dealer had his Merchandise Group complain to Bof A. Without telling me they not only reinstated the amount paid but without my permission of knowledge paid the dealer the entire amount for the carpet.

I never signed for it, the carpet was never received. Talked with BofA and they said the Merchandise Group complaint was so strong and they were all BofA customers and I just an individual that they reversed their decision and ordered the entire carpet, though never in stock, never installed as owed and paid the dealer.

My bank of BofA in XXXX with whom we had banked 26 years called them on my behalf and told was a new customer as far as they were concerned and that the Merchandise Group held power and were collectively and individually more capable of bringing BofA funds. 

So, BofA put this on my credit report and it is affecting my ability to get a mortgage. I do not owe this debt, nor should this be in my credit file. 

I cancelled my account with BofA and returned their shredded card to them at the local XXXX XXXX. 

When this sprang up after I applied for a new mortgage I went to the XXXX. Attorney General who suggested that I contact you. 

Please help. 
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 2019-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received my new credit card on Saturday XX/XX/XXXX. Used it to purchase a tool cart for work and now ( XX/XX/XXXX ) received letter stating account closed due to delinquencies and high balances on other cards. I know I have high utilization of my other cards and make my payments on time ( one account is approximately 9 years old and the other around 4. My main issue is why bother with an approval and sending card if just going to review and close. If that's the case do not approve or mail out card til reviews are done. I have been improving my credit for some time now after having put myself in a bad position years ago and have had no intention of abusing this card and understand if it would have initially been declined but to approve, allow me to make a purchase and then close feels like a twist on bait and switch. I submitted here without contacting chase as reading up on this shows they're doing it to a lot of people arbitrarily. Now my credit report will look worse because chase closing an account with a balance. Also are they expecting full payment immediately or will they abide by the interest free period that agave me reason to apply and use this card? Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX AUTO FIN XXXX not mine XXXX CRED XXXX not mine XXXX XXXX not mine XXXX BANK XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX, XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX FUNDING XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
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:
Submitted Three former requests to validate and verify items on a collection account. XXXX and Experian is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate 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 2020-05-09
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I INFORM COLLECTORS THAT I HAD 2 INSURANCE IN THAT IT WAS AN ERROR THESE BILLS WAS PAY BY MY INSURANCE CARRIER IN WHICH THEY ADMITTED THERE WAS LATE FEES IN WHICH I WAS NOT RESPONSIBLE FOR, THEY CONTINUE TO HARASSED ME REPEATEDLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: U.S. BANCORP
State: NY
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 have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$5700.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal 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 non-monetary relief
Consumer complaint received 2017-11-28
Company: BB&T CORPORATION
State: FL
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:
There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a dog online. I was Issued a bill of sale for the dog. The price included the cost of shipping ( as stated in the bill of sale ). Now I am being asked for an additional {$600.00} for shipping. When asked for a refund, the seller disconnected the number and the email address is now showing invalid. 


An attempt was made to cancel the transaction from my bank but I was told it was too late and theres nothing that can be done. That no information on the receiving bank is available and they will not fight and dispute the charges.

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 2020-07-27
Company: Community Credit of Leeds, Inc.
State: AL
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:
Community credit of Leeds is reporting none payment on 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 explanation
Consumer complaint received 2016-06-24
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage, our lender, based in XXXX XXXX Texas, has collected in an escrow account for our property taxes and insurance. I learned today that our property taxes were not paid by the deadline and that thus far, {$70.00} in interest has accrued. I an very chagrined at the service I have received from Nationstar and this is just the latest issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a account with cash app my card is not working I can see my balance I still have money on my account my money came from my unemployment Its been 2 weeks now and nothing have changed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called numerous times as well as the hospital and my medical insurance company and the hospital/Insurance company has said I owe no debts and the collection agency has been ruining my credit by saying I owe {$940.00} for an ER visit. My insurance company said they were trying to help relieve me of this fake debt that I do NOT owe. Also when I have called the debt collection agency, they have given me numerous dates on when I was supposedly at this ER visit in which on one of the dates they had given me was physically impossible for me to be at the hospital because I was actually in a program for XXXX woman at the time. The agency name and information was given to me as follows : ARS ( Account Resolution Services ) but is listed as XXXX XXXX XXXX XXXX XXXX on my credit report and the address is ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX. And Telephone number is ; ( XXXX ) XXXX. When I called I could hardly hear the woman speaking through the static or understand what they are saying in my experience and I was given 3 different dates in the years of XXXX and XXXX. I contacted the hospital and they expressed that they do not use this debt collection agency and have told me I have XXXX debts as well as my insurance company has said they have paid all my medical expenses! Please help me fix this because it is ruining the credit I am so badly trying to repair! Thank you kindly!

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 2019-04-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX Seturus responded to my Consumer Finance Protection Bureau # XXXX that they purchased they account in a XXXX XXXX XXXX status and did not produce any statements. However the information they have reported to XXXX  and XXXX is not reflective of this. Seturus has failed to remove this account from my credit reports as they have claimed to many errors in their record keeping and it is not 100 % accurate. According to the FCRA all information must be 100 % accurate, complete and verifiable yet Seturus continues to show there records are not complete. I have disputed this account multiple times and Seturus continues to verify false information on payments and account status concerning this account with XXXX and XXXX. 


I have reported this to Seturus over 6 times through this government agency which shows that their record keeping is not in good standing and not accurately kept. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is very unfair and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
MIDLAND FUNDING ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal stole {$15000.00} dollars from me. 
Someone owed me {$15000.00}. 
To track repayment, in XX/XX/2017 I set up a new PayPal account related to the name of the debt. 
PayPal did not have an issue setting up this account, nor taking payments for the {$15000.00}. 
However, when I wanted to withdraw the money, they said that they are unable to allow me to withdraw it because the name didn't match my name. They suggested renaming the account and asked that I submit documentation - official ID, etc. 
When I did so, they permanently suspended the account. There is no option to receive the money or return it to the sender. In 180 days I'll " get a letter '' with no specifics.

Company response to consumer: Closed with explanation