BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a dunning letter in the mail in early XXXX of 2017 from a debt collection agency named diversified consultants. They letter claimed that i owed a cable company by the name of XXXX a past due bill in the amount of {$200.00}. Account # XXXX. The suggested that i pay their agency this amount of money or they will report this alleged account to the credit bureaus. 
I responded to them with a letter sent certified receipt and notarized shortly after, in early XXXX of 2017, demanding that their agency send me documentation that they have power of attorney on this matter, that they provide other proofs that would give them legal rights to charge me with this alleged account. 

They responded with a letter that did not provide me with anything that i asked from them. They just stated simply that it was my account and attached a photo copy of a bill from XXXX, which is not legally sufficient enough to allow this collection agency to injure my three credit profiles. 

I checked my credit reports shortly after i received their letter and they did place this false account to they credit bureaus, XXXX, XXXX and XXXX. They didn't even have my address 100 % correct which, by this alone would qualify for them to delete this alleged account. According to laws of the FCRA, everything has to be 100 % accurate that is being reported to credit bureaus. They did this in a unfair and deceptive manner because they did not provide any power of attorney proofs, they did not give me proofs of any legal documentation that they can do business in the state of michigan among other request i asked for in my letter that would give them a right to proceed in this type of manner. 
As a result, they have injured all three of my personal credit profiles that will make it difficult for me to get approved for credit or anything else i may apply for that required a business to review my credit profile. I do not have any contracts with them for them to claim i owe them money, nor they have no legal proofs to represent any companies to demand money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: AMERICAN HONDA FINANCE CORP
State: MD
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:
I just received an alert showing a hard inquiry from American Honda that I do not recognize or have authorise. Please correct. Creditor Name : American Honda Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to capital one, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto XXXX when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX  va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: National Auto Lenders, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have been receiving letters and phone calls from Phoenix Financial Services claiming I owe a medical debt. I called Hospital and am in good standing with the Hospital and do not owe the {$930.00} debt they are trying to claim. So called Emergency Services of Oklahoma XXXX in  2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Paypal Holdings, 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:
RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.

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 2018-02-24
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took two XXXX classes with the University XXXX XXXX. I only took the two classes and only authorized a loan for the two classes in XX/XX/2009 ( XXXX and XXXX ). I advised them that due to my work schedule I would only be able to do the two and not able to continue with online classes due to the fact my work schedule was too demanding and I was struggling to complete the two classes I agreed to. Also I had found out that I was lied to by the University XXXX XXXX about graduation rates and successful job placement. Prompting my withdrawal from the school. When I looked at my credit report the amounts being charged to me where not as discussed by the advisor and I. I continued to try to resolve the problem with the University XXXX XXXX with no one being able to help with the issue and telling me to contact the loan company Navient. When I would contact Navient I would get rhe run around, different numbers to call, numerous people to speak to. Resulting in mostly answering machines and no response back. I recently had my income tax offset due to this, when i called Navient to demand a breakdown of the original loan, I was denied the information of the original loan. I am now being charged over {$5000.00} dollars for two online classes from the University XXXX XXXX and has been broken into two separate balances on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every single day begining at XXXX XXXX all the way until after XXXX XXXX i receive about 6 calls a day for almost 2 months now. i have already told them to stop callimg me because my phone number they are calling to belongs to my XXXX year old son. So instead they will put a vocie machine to talk for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

Transunion has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the same inquiries as transunion.

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 2018-10-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2018 I won the AARP daily deal for a Walmart gift card for {$10.00} and they wouldnt let me have it. Its a bait and switch FRAUD scam there running!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XXXX stating I only had {$3200.00} in flood coverage. I called my insurance agent who sent me and faxed Wells Fargo the declaration page showtime clearly had $ XXXX coverage. I called Wells Fargo to make sure they had what they needed. They said they had it and nothing else needed to be done. I just received another letter dated XX/XX/XXXX that I did n't have enough flood coverage again. I called both mortgage and my insurance agent who uploaded to their system, faxed to them and emailed to me the same declaration page showing we have had coverage the entire time of the loan for the full amount of $ XXXX. I was told to wait 24-48 hrs to make sure they have it. I called today Wells Fargo states they do have it, they also had itXX/XX/XXXX. I asked for something in writing today showing it was all taken care of. I was told yes by 3 people that I could get a fax today saying it was done. I then get the recovery XXXX XXXX XXXX that says I ca n't get this letter today. She said she will open a case # XXXX I asked to speak to XXXX XXXX in her department since he handled the first issue. He was n't available and I was told I could n't hold. I left him a message. I also have the issue that on XX/XX/XXXX {$540.00} was deducted from my escrow for flood gap insurance that they purchased for me. I DID NOT NEED THIS. They had my info showing I was fully covered. On XX/XX/XXXX they refunded partial amount back {$470.00}. There is a {$73.00} difference that they kept. No one can tell me why and I spoke to 4 people today. I was told by the first 3 that the {$73.00} will be fully refunded. Again they wo n't put in in writing for me today. The very next dayXX/XX/XXXX they took out another {$470.00}. Not 1 person today could tell me why. I spoke to 3 people in the insurance department and then XXXX XXXX in Customer Care that was no help, very rude, continued to interupt me and try to over talk 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 monetary relief
Consumer complaint received 2019-02-20
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX   XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm  not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/XXXX and credit card purchase was made to XXXX  in the amount of {$490.00}. My husband tried to use the software and was not working. He tried to get in touch with the company with no response. Then a dispute was put in with Bank of America on in XX/XX/XXXX. Received a letter in the mail on XX/XX/XXXX which was dated XX/XX/XXXX asking to sign and date the letter to indicate not satisfied with the product and to produce additional information which I did and had to be submitted by XX/XX/XXXX. Given 2 days to respond is quite absured. They were sent the screen shots showing XXXX  was a scam the business was temporarily closed. They denied the dispute. Then we spoke with a XXXX XXXX back in XX/XX/XXXX from Bank of America and he advised he will reopen and review and will get back to us in 30 days. This did not happen and we spoke with Bank of America on XX/XX/XXXX and they stated a claim was never put through again for the {$490.00} charge which XXXX XXXX stated he would do. Received a call today from Bank of America and they advised they are not going to refund the money. Mind you numerous calls have been made to Bank of America previously from this. We were charged for a product that was a scam. I have been a long time Bank of America credit card holder and I find this absolutely ridiculous. I am sure they would have no problem refunding {$20.00} but they would not refund {$490.00}. I feel I am due the money back since it states this company is a scam and temporarily 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 2021-06-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I escrow taxes and insurance in the mortgage payment. My mortgage company is Freedom Mortgage. One day we receive a tax sale notice from our County saying that our county taxes are delinquent and there has been interest and penalty added to the balance. I immediately called the mortgage company XXXX XX/XX/2021 ) and asked what happened, they said they would escalate the case, and look into it. But we heard nothing from them. I called again today and asked for any update, there was none. I checked the tax status with the County, and the amount only grows higher due to added interest and penalty. I called the County tax division and explained what happened, and they said there is nothing they could do, and asked me to hire a lawyer. Tax sale will happen less than 40 days. A lien will be generated if no action is taken. 

Obviously the mortgage company did not do their job and did not pay and we are about to become a victim. Can you help us? We did not do anything wrong.

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 2018-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.

Company response to consumer: Closed with explanation