BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My mortgage loan got sold and the servicing moved to a different servicer ( XXXX/Lakeview Loan Servicing ) on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today ( XXXX XXXX ) I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX ( {$3300.00} due + {$720.00} extra principal ), I have received a letter today ( XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at Lakeview told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.

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 2020-12-01
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX around XXXX someone stole my card info and made a {$580.00} transaction at a XXXX XXXX. The nearest XXXX XXXX to me is 5 hours and 30 minutes away. I worked in XXXX the XXXX from XXXX and worked in XXXX for XXXX  finishing an order to a customer at XXXX XXXX. 

I am providing screenshots. I was told over the phone that I would have my money back in 5-7 business days and it's been longer. I need my money bad. Coronavirus has made things difficult. Bills are due. XXXX is coming up. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: FL
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 received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had {$6400.00} deducted from my checking account via Pay Pal unauthorised and closed my checking accoun.t I reported fraud to Paypal and have to wait 10 days for a response meanwhile Paypal are waiting for a response from the thief. His email is XXXX I attmpted to close my pal pal account down but they will not allow me, and I do not wish to use Paypal ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX  and date of birth XX/XX/1988. Please submit proof that this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AMERICAN EXPRESS COMPANY
State: FL
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 merchant used abusively  and fraudulently my credit card information both on its terminal and to pay his own bills. It has been 9 months since I'm trying to resolve the issue both with the merchant and Amex. I never swiped or authorized in a verbal or written manner any charge to my account neither I own any amount to this merchant. The merchant never produced any valid documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: Credit Points LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
To Whom It May Concern, I am writing to file a complaint against CreditPoint720 for their failure to cancel my account and continuing to charge me despite my attempts to cancel their service. 

I subscribed to CreditPoint720 's credit repair service back on XXXX. However, due to unforeseen financial circumstances, I am no longer able to afford the monthly subscription fee, and this is the reason I asking to cancel this service. 

I have attempted to cancel my account with CreditPoint720 multiple times via email, text, and through their client portal, but I have not received any response from them. On XX/XX/2023, I called their customer service line ( XXXX ) several times, but no one responded. I have also sent messages directly to XXXX XXXX, the customer service representative I was assigned to, but I have not received any reply from her. 

I have given them more than enough time to process my request, and yet they have not acknowledged my efforts to cancel their service. 

I believe that CreditPoint720 's lack of response and failure to cancel my account is a violation of my consumer rights. I am now facing financial difficulties, and I can not afford to continue paying for their service. Despite my attempts to cancel, CreditPoint720 has continued to charge me for their services, which is causing me undue financial hardship. 

I would like to request that the Consumer Financial Protection Bureau investigates this matter and ensures that CreditPoint720 cancels my account and stops charging me for their services and continue increasing my due amount. I would also like to request a to remove all charges that were made after I requested to cancel my account. 

Thank you for your attention to this matter. I hope that the Consumer Financial Protection Bureau can help me resolve this issue. 

Sincerely, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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:
Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both equifax and XXXX. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM RESUBMITTING THIS. My original complaint was # XXXX. CFPB wrote me back that they cancelled this complaint since it was already addressed. IT WAS NOT. Said something about " credit repair ''? I assure you, this is XXXX XXXX and this is not mine. The orignal complaint that was ignored was : I have reached out to Harvest Associates 3 times now. I know i do not own this debt, it is only on the XXXX bureau. I have just asked them to show me what they have. I reached out in XXXX, XXXX, and XXXX to no avail. I also reached out to XXXX twice but i really wanted Harvest to show. me this debt and they have not. They have NEVER made contact with me, they have NEVER answered me, and its because they know the debt does not belong to 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 2019-09-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my BBVA credit card off, and also a personal loan. Upon this, they reduced my limits and then when I went in to the local branch to close my account, they called the police on me, even though I offered nothing other than asking them to close all accounts save checking. Then they punatively closed my checking account and claim to have filed a no trespass. The local manager, XXXX XXXX ( sp? ) refuses to give information as to their registered agent and is aware that I have XXXX and protected with the ADA.

Somehow they left the credit card active and I have attempted to refute their balance and am unable to retrieve an audit to ensure validity of this debt and their collection process. I just today received a bill from them after several months of no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: LD Holdings Group, LLC
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:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: NEW IMAGITAS, INC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I selected a mortgage provider on Bankrate.com. One of the reasons I did so was because Bankrate.com offered a {$500.00} ( giftcard ) incentive that I was to be eligible to receive upon closure of the mortgage. 

The mortagage closed in XXXX, and I applied for the incentive. I received an email on XX/XX/XXXX indicating that my request had been received and that I should receive the card within 6-10 weeks. On XX/XX/XXXX I contacted Bankrate.com customer service and inquired as to why I had yet to receive the card. 

A representative called XXXX XXXX wrote me back that ( via email ) that " my request is still in process. '' As of today ( XX/XX/XXXX ). I have not received my the card and have not been offered an explanation. 

Recently, I wrote customer sevice again and have not rceived a response or explanation. I think that Bankrate offered this incentive in bad faith, with no intention of making good on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Ad Astra Recovery Services Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called AD ASTRA RECOVERY SERVICES who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name AD ASTRA RECOVERY SERVICES Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX Asset Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: ME
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:
XX/XX/XXXX there were 4 unauthorized hard inquiries to my account. One of which has been removed I contacted all the companies that I had contact information for. 

XX/XX/XXXX there were 2unauthorized hard inquiries to my account. 

I was in Maine when these inquiries were made and on XX/XX/XXXX I was at a hockey game in Maine which their were witness so I clearly was not in Texas. 

I have contacted the Texas police multiple time to attempt to file a police report and my local police station with no luck of getting a police report. Which when I call they keep telling me I need to send in a police report but offer not help on how to get one when I explain Im having difficulty reporting it to the police just the same line you need to send paperwork into us.

I have called Equifax and mailed in a report from the federal trad commission which they have no record of So I will be attaching it to this report. 

I also inquired why my XXXX XXXX XXXX XXXXXXXX was removed from my report in XXXX of XXXX with no luck getting any information from them on why or who authorized it which also hurt my credit. 

I wish they would have been this though when someone stole my identity. I have informed them that this was not authorized and its been over a month since the first inquiries on XX/XX/XXXX. 

I also identify as a person with a XXXX and am suffering from the stress from the identity theft and the company 's process to resolve the issue. They should need to prove these transactions were authorized at this point which they can't do because I have witness that put me on the opposite end of the US at the time these were made. 

If they have any questions they can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Phillips & Cohen Associates, Ltd.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Clarity Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Was told that loans where approved gave account and routing number for money to be transferred but never received. Other loans Zi never applied for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation Discover card ending in XXXX XXXX I am writing to express significant concerns regarding Discover 's recent reinvestigation results on the account associated with my name. Discover 's failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

Discover allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that Discover 's actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt.

Discover 's failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues.

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.

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 2020-12-01
Company: BlueChip Financial
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an email today ( XX/XX/20 ) from someone claiming to represent Spotloan.com. They have a XXXX  email address, not a business email, and the grammar in the email is iffy. They threatened to serve me with court papers if I do not agree to pay {$750.00} up front or {$150.00} biweekly until it reaches {$890.00}. They are obviously impersonating the actual debtor, but I do not know how they got my information or that I had a loan with that company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation