BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I reported months ago to the branch via email that there were issues with the online transaction calculations. I've also found that the interest dates and amounts do not match between the online transaction history and the printed statements, making transaction reconciliation impossible and appearing like I have two different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Delinquent account

Complaint:
I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UWM canceled my enrollment in autopay without my knowledge or consent. This caused for my mortgage to become delinquent. They called numerous times but failed to leave a message. My credit score has been negatively impacted due to this. I have contacted them to assist but they are unwilling to remove the late payment. The first time this happened, they admitted fault and deleted the late fee. I caught it before it was reported to the bureaus the first time. This second time, I did not catch it in time and it was reported to the credit repositories.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: IQOR US INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX attended XXXX College between XX/XX/XXXX and XX/XX/XXXX while he was in the XXXX. He reached out to the university via email, which told him that his XXXX XXXX XXXX would cover tuition. After enrollment, XXXX told him that his XXXX XXXX would not cover tuition, and that he had to take out federal loans. XXXX took out loans to cover tuition. XXXX encouraged XXXX to take out private loans as well, claiming the federal loans were insufficient to cover tuition. XXXX also presented a private loan as a refund to XXXX, who was unaware he would owe student loans by accepting the so-called refund.

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 2017-12-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX 2017.  XXXX, Experian & XXXX. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

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 2023-02-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage Lender Shell point Mortgage Servicing fail to pay the property taxes second Installment on XX/XX/XXXX. ( escrow account ) they said sent a check for XXXX to XXXX XXXX treasurer XXXX XXXX on XX/XX/XXXX, as a right now they don't respond where is the Money. the house is in Delinquent status, I am calling every day and no one seems to be doing anything to resolve this issue. I need you guys to help me with this situation. I sent this letter below under RESPA To Whom It May Concern : This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 



. 
I am writing because : After researching Property Index Number ( PIN ) XXXX, our records indicate that payment has not yet been received for the Tax Year XXXX Second Installment.We required that you pay our property taxes second installment AS SOON IS POSSIBLE as well the interest what does been accrued. 
I spoke with XXXX the scrow supervisor on XXXX, he said is working trying to reach the XXXX XXXX treasurer to figure out where the wire money was applied. 
We have been calling every other day and nobody seems to be doing anything to resolve the issue. 
My contact information is : I understand that under Section 6 of " RESPA '' you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. 
Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has placed a collection on my credit profiles claiming that I owe {$190.00} to XXXX at XXXX. I have never had an account with XXXX at XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Why is the CFPB telling companies not to let me make International Wire Transfers? 
Suntrust says that the CFPB advised Suntrust Bank not to process an International Wire Transfer to my girlfriend in XXXX. I want to know why the CFPB is refusing to allow me to make International Wire Transfers?

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX This address is showing on my Transunion account. I've NEVER lived in XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Chime Financial Inc
State: NY
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:
On XX/XX/XXXX my cell phone was stolen and broken into which had debit information on it as well as being linked to XXXX XXXX and XXXX XXXX. My funds were wiped out from my chime card via XXXX XXXX and XXXX XXXX and spent in different locations throughout the day of XXXX. I submitted a dispute with chime for an amount of {$1100.00} and also submitted a police report backing my story for more proof and they denied my claims stating that these transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MO
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:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
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 reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: NH
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 been going to the same XXXX  for 11 years ( XXXX XXXX XXXX ) during this time period my address, email address and phone number have all remained the same. I have received many calls, email correspondence and mail from them over the years but absolutely zero correspondence about a XXXX dollar debt that they claim that I have. The debt may or may not be valid and I do not dispute the debt itself. My issue is that XXXX XXXX sold this debt to XXXX XXXX and then was reported as a collection to Equifax. I have reached out to all parties several times and none has made any attempt to rectify this error. I have ( otherwise ) perfect credit and demand that this erroneous information be removed or proven. The burden has been put on me to prove that I never received correspondence which is possible. I am willing to pay the XXXX  dollars and not challenge the validity of the debt but not unless and until this fraudulent derogatory on my pristine credit report is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: GA
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see United revenue corp received it but nothing has changed. See supporting documents. even the USPS tracking. I sent it to the bureaus and they ignored it. Please help if you can thank you. 

XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being asked to pay a debt that i do not owe. I was fraudulently charged for services by a XXXX   Provider who was not Authorized as a Network Provider. The Provider did not disclose that he was not a XXXX XXXX  Provider and submitted a claim that was denied by my insurance company. I HAVE INCLUDED PROOF OF MY COVERAGE AT 90-100 % at the time service was rendered. I have provided proof that the Provider was not authorized at the time of service.I do not owe this debt. I am being billed due to negligence on the providers part. This bill has been sent to CHOICE RECOVERY who is demanding payment. I do not owe this debt. I have informed CHOICE RECOVERY THAT I DO NOT OWE THIS DEBT and they illegally placed this item as unpaid debt on my credit profile. This has caused a negative impact on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: DISCOVER BANK
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX XXXX otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CL Holdings LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation