BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that  shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Harpeth Financial Services, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complaint against Advance Financial and their deceitful collection practices. I was an account holder with Advance Financial. My account was fraudulent hacked into on XX/XX/2018. Several transactions were initiated through my stored debit card information and in total, XXXX fraudulent attempts were made to access funds. I reported the fraudulent transactions to my bank and Advance Financial both through repeated phone calls and emails. Some of the funds were recovered, though not all. I was told, by XXXX, that he did not believe the account was hacked fraudulently. In my previous complaint, Advance Financial responded by saying they did not have reason to believe there was fraudulent activity on my account and at the time I had an EFT authorization on file. THAT IS A LIE. I unilaterally and unequivocally revoked all ACH and EFT authorization on my account on XX/XX/2018!!!! I have screenshots of emails revoking my EFT/ACH authorization AND I have emails documenting the fraudulent access and use of my account. In fact, my emails were pleading emails to Advance Financial to please help. Subsequently, Advance Financial has escalated my account to a collection agency but Advance Financial FAILED TO NOTIFY me that my account was being sent to collections and therefore did not provide me the opportunity to verify the debt ( which I would obviously not do ). The amount sent to collections does NOT match the principal amount supposedly due to Advance Financial ( amount sent to collections is {$3200.00} but principal balance listed with Advance Financial is {$1200.00} ). I have tried to communicate the issues to Advance Financial. In the previous complaint they stated they are willing to work with me, HOWEVER, the response to my complaint was that my account has been turned over the the collection agency - which was in response to me blatantly stating the debt IS NOT VALID AND is a result of FRAUD! The fraudulent activity has been reported to the FBI via the Internet Crimes Complaint Center. Advance Financial is blatantly being deceitful and making falacious statements. I had NO ACH authorization on file at the time of the crimes, They did not respond accordingly when I reported the crime, They are misrepresenting an amount due, they did not notify me prior to sending my account to collections and have not admitted to fraudulent use of my account and they have not responded approrpriately to my complaint that the debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: WELLS FARGO & COMPANY
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:
I went to the dealership to get a loan for a car and they told me that I have numerous hard inquiries on my report so I wasn't going to be able to get approved for a car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/13, my account was closed due to fraudulent activity. I walked into my opening branch, dealt with the same banker who opened my account by name of XXXX, and closed out account. I signed papers and withdrew funds from the account being closed. After closing account, I had a balance of {$0.00} meaning I owed nothing. I just got my consumer report and it showing the status of unpaid. That is false and I have my receipt from XX/XX/13 that shows I owe nothing and account closed.

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 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I contacted Bank of America which holds my Mortgage to find out how much is my Escrow Account is in the negative so I can bring it currently for my mortgage to be lower. After being on hold for over 5 hours and giving up, no one ever came to the phone and I hung up. After calling on numerous occasions, no one had information, and when a Representative DID come on the phone he tried to get me to refinance my Mortgage, which I already have a locked-in rate and told me the only way to " fix '' the problem with my Escrow account was to refinance with them. This is untrue. I only needed to know how much was my account in the negative, so my payment could be lowered, which I was told by a loan officer could be done. this Representative whom I was transferred to was from the refinance department, to no surprise, told me something different. 
If these sharks are going to continuously deal scrupulously with customers, there needs to be an investigation into these deceitful practices. Upon telling him, I was complaining, he then had the correct information for ma and prceeded to tell me, he mispoke.

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 2021-02-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Contacted company in XX/XX/XXXX regarding loan extension, was told I had to pay for an extension, then was told I would be sent out a firm to sign to have an extension approved or declined, sent extension form back and received phone calls that extension firm was never received, this same scenario happened in XX/XX/XXXX and XX/XX/XXXX. Made a car payment in XX/XX/XXXX and Im now being told I owe the back amount for the extension that was requested. I have called the company several times and either I get transferred around to different individuals or the phone call drops.

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 2021-02-26
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, 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:
XXXX XXXX  XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX  XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft and American Express is fraudulently reporting an account on my credit file that I never opened. I am not responsible to pay for any debt that is not mine. I have also reported American Express to the federal government ( FTC ) which I will attach to this complaint. American Express is holding me liable for an account that I never opened or allowed any one on my behalf to open. This is causing a lot of stress on me! Not only is the pandemic causing a lot of stress but also this fraud account is causing more stress because I never opened this account. Pursuant to the FCRA 605B this account must be removed because once again I never opened this fraud account and I have been a victim of identity theft! I need this resolved and removed from my credit file. I am not responsible to pay for any debt that is not mine and American Express is ruining my credit by fraudulently reporting this fraud account that I never opened or allowed anyone to do so on my behalf. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, 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 sent certified mail to Equifax that was signed for. In that letter I sent I requested for them to send me verification of bankruptcy. They then emailed me my results ( see attachment ) and notified me that XXXX XXXX was their source of information and verified that information was accurate. This couldn't be possible due to the freeze on my XXXX XXXX ( see attachment ). Equifax stated that the date verified was XX/XX/2020. I received a letter from XXXX XXXX on XX/XX/2020 stating that my account was already frozen, ( see  attachment ). So unless XXXX XXXX unlawfully has given out information or inaccurate information against my freeze, this information of verification through Equifax is not accurate. Also I have information given to me from the Bankruptcy court ( see attachment ) proving as well, that they do not release information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After an automobile accident that after court deemed other individual at fault for the accident, one medical bill was added to my credit report as a collection ( Hospital bill ). It is still in my collection report even though this accident happened a few years back and it was settled. I still have the collection on my report affecting me even though the other individual was responsible to pay the bill.

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 2020-08-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 charged on XX/XX/XXXX an online purchase of two bicycles for {$100.00} each. The charge was made to my American Express card but appears on their statement as a XXXX charge. After not receiving the bicycles I reached out to XXXX but received no answer. The company selling the bikes likewise did not answer. I researched the company and found out they are a fake company run by some guy out of his house in Arizona. An entire XXXX video describes this fake company. 
On XX/XX/XXXX I filed a dispute with AmEx. After some 7 weeks I received notice date XX/XX/XXXX that " the merchant '' had responded and the charges are legitimate. [ A copy of the 2-page notice is attached. ] The notice states that the documentation provided by the merchant details the merchant 's explanation. As can be seen, the notice has no such documentation. 
AmEx has done an extremely poor job here. Virtually incomprehensible in my experience with other credit card companies. A brief researching of the merchant would suffice to show their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: Bass & Associates, P.C., Attorneys at Law
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Dozens of Times to try and speak with a representative and can never get anyone to answer. Wait times on a consistent basis of twenty minutes or more. Left voicemails multiple times over the course of months and no return call. 

Trying to debt resolved to stop further interest accruing and to help clean up credit. Finally get a hold of someone about 7 weeks ago to setup payment program and was advised of payment program and to setup payment program. Waiting on paperwork to be received and contacted rep after 35 minutes on hold. Advised my letter was just completed as it has to be hand typed????? Its been almost 4 weeks since last call and I received mail today XX/XX/XXXX advising the company Bass and Associates has been trying to reach me in which they havent. ( we can pull phone records if needed. 

I feel I may not be the only one as the company has terrible reviews online with same issue. My personal opinion is that they are doing on purpose to keep tacking on interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans union has posted incorrect balances I want those updated and current period XXXX and XXXX XXXX are posted with the balance and the crediters have a balance of XXXX  and close I want transmission to update my credit report as it is very important for me!

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 2021-02-26
Company: National Recovery Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Recovery has been harassing me via voicemails, emails and texts for a debt that was paid to XXXX XXXX in XXXX of XXXX. We sold this property back in XXXX and the bills were going to the wrong address. As soon as I received the bill in XXXX of XXXX, I called XXXX XXXX and they informed me to pay it on their website, which I did immediately. I have sent National Recovery proof of payment via email as well as texts. I called into their offices on multiple occasions and they always instruct me to email the proof, which I do. But THEY CONTINUE TO HARASS ME. 

Please see emails and texts attached.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card, XXXX XXXX XXXX, and XXXX XXXX  XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Upon Checking my credit report. I noticed XXXXwo accounts placed on my credit report from a company called " security credit services. One account was for approximately {$390.00} and another for approximately {$290.00}. I have never done business with this company, I have never received any correspondence about this debt. Last reported date on my report for the debt of {$390.00} was XXXX XXXX and the Last reported date for the debt of {$290.00} was on XX/XX/2020. 

This accounts has impacted my score negatively and has thrown me into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the last 8 years we have tried to get help with OCWEN and now PHH. Always denied, so we filed Bankruptcy but constantly having to refile due to them refusing to help. We paid in through Bankruptcy and brought down outstanding balance to {$290000.00}. But in reduced payments by bankruptcy, we owed XXXX, but they increased the amount due to {$210000.00} making it over XXXX owed. I have tried to talk to them and file to reduce the XXXX interest rate. I have sent them letters to take back fees and payments off so we can get a mortgage. They assessed over XXXX in expenses and payments when PHH took over last year. I begged them to help due to my husband XXXX of XXXX. He died last year in XXXX. He had a lot of health issues in the last eight years that put us so behind and because of medical bills we had to file bankruptcy. And this is the second time I filed bankruptcy to try to save the house. I am a XXXX veteran sr. Citizen and having a time understanding why these people can not help me. The amount that they want every month is way too much. They want me to pay $ XXXX  monthly for a mortgage payment. I just need help trying to save my house. Thank you very much.

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