BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. 

However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have receive calls from XXXX XXXX ( XXXX XXXX credit card ) from blocked numbers, as well as their listed number. I answered the blocked call today ( XX/XX/XXXX ) and the representative confirmed they were from XXXX XXXX. Once I told them Ive received multiple calls, and that its harrassment, I was hung up on. Earlier this same morning I received 2 calls from their company ( XXXX ). I have no number for the blocked call, just that I answered and they stated the company name. On XX/XX/XXXX, I received 4 blocked numbers in a row, as well. This is the only company whos tried contacting me through calls, and I rarley get a voicemail not offing why they called. ( They called while writing this complaint. Heres when they called : XX/XX/XXXX I have no time for, my phone doesnt show it. I was called 4 times in a row from a blocked caller. 

XX/XX/XXXX I have received calls at XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX from the listed and blocked numbers. I tried speaking with a manager, and she continued to tell me they can call to collect. I let her know I know the fair debt act, and she continued with the same statement. I told her that its harrassing. She said they comply with the Fair Debt Act, and I let her know that if she complied, I wouldnt get 5 calls before XXXX. She continued to state she was in compliance and she wouldnt let me speak without her interrupting me so I can tell her what happened. I asked for my number to be taken off and I notified her Im filing Chapter XXXX Bankruptcy. She kept telling me that they are allowed to call and I told her the fair debt anusive practiced of calling during inconvenient hours and calling multiple times to harass or annoy. She said she as well would sum it a complaint and see why I was hung up on when I tried reporting said abusive practices. I 100 % feel like this is harassment to get me to pay the bill. My attorney advised me on XX/XX/XXXX that I needed to stop paying my bills because I am filing Chapter XXXX. She continued to say my phone number is in an automated list, and I let her know that it doesnt matter, that its against Federal debt practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 around XXXX PST I got a call and txt message from BofA clarifying if I made a XXXX transaction to a XXXX  recipient XXXX for {$3500.00}. I said no and that Im in the middle of work right now and that its busy. Whats going on? They said Ive been a victim of a fraud and that this call is being recorded. In order for me to reverse this transaction I had to go into my XXXX and add myself as a recipient. Which I did then transfer {$2400.00} over first then the rest of the {$3500.00} to be able to reverse the fraud transaction. I was so confuse and questioned them if theyre BofA and they said yes, I can check their number on XXXX and on the back of my debit card. I was in the middle of work and had to run to the medication room to take this call as Im frantically shaken that once again someone was just trying fraud me. So I followed their directions to reverse my transaction. They said I would get an email on the confirmation of the reverse transaction and another email to change my password on my account. When I got home just now, about to transfer money to my landlord since I am moving out today to realize they didnt reverse anything, instead they wiped my account out. I am finishing up my pharmacist residency program this Friday XXXX, with no job at the moment and have to start paying my {$320000.00} student loans that I just refinance this upcoming month. As Im sitting here thinking back what had just happened and looking carefully at that text message now, I feel absolutely so stupid. I cant believe I let my frantic self at that time on the phone with them get the best of my gut feeling!! I dont know what else to do with these bills hovering over me and with nothing left in my bank account. Please please help me get this refund ASAP Im so ashamed to be apart of this ridiculous scam!! Thank you so much in advance.

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 monetary relief
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: OH
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:
There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not  accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: National Business Factors
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call stating that I owed {$440.00}. I tried to explain that due to COVID-19, I was not working and although I did not remember the debt I offered to settle. They refused and told me that will keep pushing it on my credit report until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
During the course of a real estate escrow a criminal realistically posing as the escrow company contacted me with instructions to wire {$78000.00} to a XXXX Bank Account with the Account Name : XXXX XXXX XXXX Trust Account. Thursday XX/XX/2018 XXXX XXXX did not take appropriate precautions : I went to my home Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and gave the wiring instructions to the teller, XXXX XXXX. XXXX XXXX   completed the wire transfer even though the routing number did not match the address of the US Bank and THE NAME ON THE ACCOUNT DIDNT MATCH. The money was deposited to US Bank and withdrawn from the receiving account with the incorrect name by the criminal. US Bank should not have deposited my money into an account with a different name than the name I specified. Routing # XXXX account # 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 2021-07-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.

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 2018-02-14
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
The person that charged the card advised the credit charged to be credited. Best Buy Visa by Citibank didn't issue the credit. They do not understand that I suffered a XXXX XXXX and have my phone number on my business card and wallet.

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 2021-07-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX managers did not properly file the termination or non-renewal of lease termination notice into their system. 

The notice was given by one of the tenants on XX/XX/XXXX in the main office, more than 60 days of notice that was required by the lease. The given notice was received by a manager who no longer works at cXXXX XXXX XXXX. 

The collection is illegitimate because XXXX XXXX XXXX did not properly manage our notification of termination & non-renewal of lease. 

http : //www.consumer.ga.gov/uploads/pdf/GA_Landlord_Tenant_Handbook_2017.pdf The managers did not admit fault or take responsibility for improper management & is trying to collect a unfair debt against the tenants in the amount of {$2300.00} for 49 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I suspended my XXXX XXXX XXXX XXXX service due to XXXX XXXX and service not being available in my area. At the time I was enrolled in autopay, as that was how all my bills had been paid and I did not change that. My service was to be suspended for six months. Due to XXXX XXXX I was not to be charged the $ XXXX monthly fee. However, my account was abruptly canceled and charged {$75.00} without my permission. I disputed the debt with the first debt collector, and won. They removed the account from collections. I attached the email with their response the day they removed my account from collections. 

A second collector, XXXX XXXX XXXX, attempted to collect this debt. This time I disputed directly with XXXX and informed them this was the second collection attempt. XXXX sided with me and removed the account from my credit report. 

This third company, Franklin Collections, is fraudulently trying to collect debt that is not owed to anybody since I have disputed it and won twice. It is ridiculous that debt collection companies can hurt peoples credit scores by trying to collect old debts that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, The reason for me filing this complaint is due to IC System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter ( attached ) datedXX/XX/XXXXfrom Capital One Credit card company informing me that my credit card was closed on XX/XX/XXXX. On Monday XX/XX/XXXX I called the customer service phone number to inquire about this account because I never applied or received a credit card from Capital One. The customer service representative was able to locate the account but would not give me any information and denied my request to speak to a supervisor. He said that he can not tell me any information unless I provide him with my SSN while I felt uncomfortable to provide this information over the phone specially with a possibility of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Prohealth Care, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-28
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXXXX/XX/XXXX received a HAMP modification. currently and have always been current with my mortgage.XX/XX/XXXX started receiving bills from another mortgage company, SN Servicing , at first was throwing away thinking was a scam. then received notice of default, so I called them, they claimed to own my second. equity line of credit. told them I had been modified and should no longer have a second. after threatening to foreclose I came to agreement paid {$2000.00}, then started payments of {$320.00}, for about 4 months. whole time thinking something is not right. after speaking with real estate agents, they also said something is not right. second should have been taken care of in MOD. paid lawyer {$600.00} he said same thing, looks fraudulent.

after months of research, the numbers in payments added up to it being taken care of but couldn't find anything in writing. Then got sale date. paid {$3500.00} to another lawyer he said same thing, looks fraudulent. filed chapter XXXX to stop sale. after his research found that the company XXXX XXXX XXXX that handled my MOD was shut down and disbarred for fraud. so 13 fell through due to finances I am back to sale date, from SN Servicing. after not receiving any bills or any kind of notices for 10 years they a foreclosing and asking for {$90000.00}, original loan was {$54000.00}, they are charging for all back bills due and fees, and foreclosure fees. denying to look at any modification. this was not a failure to pay due to financial hard ship but was not paid due to me not knowing the loan was valid. Now they are not wanting to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation