BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
After exposing my case extensively to the BOFA about the fraudulent charges made to my credit card more than two years ago in XXXX, after answering the results of its first investigation refuting all its arguments with proofs and having sent by US post service and Through the CFPB all the attachments and enough information so that they could verify my arguments, they call me from the bank on XX/XX/XXXX of this year to inform me that they were waiting for some information and that having it would give me an answer, seeing that the days and did not receive an answer call the bank and nobody was aware of the case, the fraud department reopens the case at my request but not as a follow-up to the case opened by CFPB. Within weeks the same letter arrives with the same response sent earlier as if they had never received any information from me. On XX/XX/2019, I received a letter to XXXX where the bank informed me that they need to talk with me about the case and that I have 5 days to respond or close it. This letter was sent on XX/XX/XXXX and arrives in XXXX on XX/XX/XXXX, two months later. I have called the bank and they have me walking through the collect department and after hearing the whole case they tell me that I should discuss it with the fraud department, they transfer me again with them and the call always arrives at the department of collect where it repeats the cycle and no one supports me with my problem or they say what information they need from me. It is as if they are protecting someone inside and do not want to do a serious investigation and give me the answer I deserve as a client. Definitely I will not pay for some charges that are not mine. The bank received payment to the fraudulent charges of someone who is not me by telephone for {$5200.00} and after almost two years they revert that payment and now they are trying to charge me. Sincerely the impression I have as a client is that the security of my information is very fragile in this bank or that someone is doing fraud from within and the fraud department does not want to see or accept it.

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 2020-10-09
Company: Bread Financial Holdings, 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:
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA has violated ALL RIGHTS!!! I WAS NOT GIVEN THE RIGHT TO DISPUTE AN ACCOUNT THAT CLEARLY DOES NOT BELONG ME. THE FACT THEY MAILED THIS SO CALLED LETTER TO AN ADDRESS THAT I DONT LIVE AT AND THEN CLAIM IT WASN'T RETURNED SO THEREFORE ITS BELONGS TO ME ITS A COMPLETE DISGRACE AND MOCKERY OF MY RIGHTS. HOW CAN THEY GET AWAY WITH THIS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.

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 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
There were XXXX transfer funds added to the card. One on XX/XX/XXXX for {$50.00} and one on XX/XX/XXXX for {$1000.00}. These deposits were made in order to pay some bills. When the transaction was processed i was not immediately notified that the transactions could not be processed in the manner i was paying the bills which require bank account and routing number which was issued as part of the cards services as a bank. apparently that violated a user agreement and my card has been frozen and the card servicer refuses to refund the funds still in the account which are the XXXXwo deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage Company is PHH. They recently purchased the servicing of my loan from Ocwen. I  made a payment on XX/XX/19 which was applied entirely to principal, despite the fact that payment was due for XX/XX/19. I have sent them 3 emails and made one phone call. They told me it would take 7-10 business days to correct, we are well past that time frame. I used to pay ahead of my due date with Ocwen and they always appropriately applied it to the next payment due. I should now be due for XX/XX/19, but it shows XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: QuadPay
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 at XXXX XXXX I placed an order online at XXXX using QuadPay services. The company withdrew {$74.00} from my account. XXXX sent an email telling me that my order was canceled. I called XXXX customer service. They told me the card that I used was not good. I tried several attempts to contact QuadPay through their online live chat and the phone. They have never responded to the live chat. They claim they respond within a few hours. I finally got ahold of someone on the phone today, XX/XX/21. She told me I would have to wait up to 13 days for my refund. If the card they gave me wasnt any good. I should not have to wait for a refund. This was not caused by me in anyway. They basically get to use other peoples money for free while not providing a service. I would even go as far as this being very fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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:
I am a victim of identity theft, I am here to correct the inaccurate and incorrect information on my credit profile multiple times, the company is refusing to delete any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a payday loan for XXXX plus XXXX interest it was due on XXXX XXXX. On XXXX XXXX I submitted a early payment for the full balance of XXXX this morning I got a email from them saying my payment failed and now I must pay a XXXX return fee. It failed because they used the wrong bank account they show account ending in XXXX I have never had a bank account with this number. I have been borrowing from them for 9 months with no repayment problems. This was not my fault I told them this morning XXXX XXXX XXXX that I would pay the XXXX right now but I refuse to pay the XXXX penalty because it was not my fault the also say I was late how could I be late it is not due until XXXX XXXX. I spoke to XXXX he was condescending and no help at all when I asked to speak to a supervisor he said their policy is to have one call me back later. It is only XXXX it is not the money it is the principle. I would appreciate any help you can give. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: ERC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$840.00} to XXXX XXXX/XXXX XXXX. This debt is NOT mine as I've never had a XXXX XXXX/XXXX XXXX. I've attached the letter they sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: TN
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:
equifax did not fully investigate the account that is falsely reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Armed Forces Loans of Nevada Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have been a customer of Armed Forces Loans for a period starting on XX/XX/XXXX until XX/XX/XXXX. I was never late in the beginning I could refinance my loans after I reached a certain point of paying my loan down. I had a disagreement with two of there employee 's and since that time I have been denied for several different reasons why I could reapply this has gone on for at least two years every time they denied me. They have totally blocked me from getting any loans based on my credit I had the same credit the first time I applied I have a 5 year history with this company now I the bad guy. I know they have violated my Constitutional and Civil Rights by discriminating against me with false reason. There next denial was today after they told me I had to wait until XX/XX/XXXX which was a year long wait to just apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, 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:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of XXXX  inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX   {$760.00} 4 ) XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX  {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX  {$760.00} 4 ) XXXX XXXX XXXX   {$950.00}

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 2019-11-18
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is stated to be for medical bills, I have been cover under family insurance when the incident in question happened. I was contacted by the company to settle on {$1100.00} but I feel that is was wrongfully targeted by this company because during the time of my visit to the hospital I was completely covered by the same insurance that I have now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lost my job and was unable to meet my obligation to Synchrony bank, charged off the XXXX XXXX card and had it placed in collections. After waiting until the check cashed, I called onXX/XX/19 to get a paid in full letter. To my surprise I was told that I placed a do not contact order so they can not send me a paid in full letter until I sent them a letter via fax or US Mail. I faxed the letter on XX/XX/19. Never heard back from or received a letter. Called back on XX/XX/XXXX to inquire and was told they never received my fax and I would have to do it again. So I sent another fax to them along with the original fax and conformation. I was told they would fax me the letter by by today XX/XX/2019. The fax did not come. I can not seem to get this company to provide me with a paid in full letter no matter what I do.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
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 contacted Sync/Amazon about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a letter ( attached below ) saying that the account referenced was sold. Sync/Amazon did not provide me with any information stating why the account is being reported to the credit reporting agencies and in no way did they validate that this debt actually belongs to me. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. If they can not validate that this debt belongs on my credit report it needs to be deleted immediately. I would rather have these items removed from my credit reports without having to take legal action.

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 2019-07-12
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received a call or letter from this company and was COMPLETELY unaware of this debt until I went to purchase a car and they pulled my credit report and told me my score. I need this collection solved as I do not know anything about this debt and my credit is VERY important to me because I want to be able to purchase a house soon for my family. 

I am willing to do a pay for delete even tho this is not my debt. I just do not want it on my credit report anymore since it is severely impacting my credit and life. I am a single mother with XXXX kids and my credit is very important to me. Please respond so I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: MD
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: CO
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  and Experian are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.

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 2018-01-31
Company: Aargon Agency, 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 acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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 2019-07-09
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was sold to this company called Fay Servicing based in XXXX IL. Our mortgage was originally with XXXX and was sold to Fay servicing. The amount of our mortgage payment with XXXX was {$1600.00}, and has steadily grown over time to its present amount of {$2000.00}. This is way more than we can afford and was wondering as a consumer what my next step would be. I have heard that this Company is in a class action lawsuit for their illegal practices. I am struggling to get the funds together to pay the {$15000.00} they were asking for last week, they called today and said they needed {$20000.00} to save my house from foreclosure. That's {$5000.00} more in one week, how can they do this? Please tell me what rights I have as a consumer if any.

Company response to consumer: Closed with explanation