BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is trying to collect a debt and I am in good standings with the company and have been for sometime now. When I restarted my service I was told that my debt has been taken care of and I continue to this day to be in good standings with wind stream communications. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 explanation
Consumer complaint received 2021-06-07
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
2 MONTH AGO I OPEN THE COMPLAINT TO PAYPAL AND THEY SAID THAT MY MONEY WILL BE ABLE FOR WITHDRAW IN XX/XX/XXXX. 

PAYPAL IS IRRESPONSIBLE, BECOUSE I TRY TO CANTACT MANY TIME AND I NEVER RECEIVED ANY EMAIL ABOUT I WILL ABLE TO WITHDRAW MY MONEY. 

i m attach the old letter. 
see what they said, i m really tire with situation, they never do wht is suppose they should. 

i just want my money now paypal XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$3500.00} Deposited Cashier Check into XXXX XXXX XXXX XXXX Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} Zelle Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via Zelle for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed Zelle provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. 

I called Zelle to stop the payments as it was pending couldnt i explained the situation, trying to get ahead of it they stayed if not cancelled in seconds nothing can be done! I will never use Zelle again, its like the intentions is to support the ones who are running these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: AZ
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2019-05-08
Company: EQUIFAX, INC.
State: GA
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:
Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ... she was still in school ... In XX/XX/XXXXit shows 120 days late ... could you please correct this ... thank you 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 explanation
Consumer complaint received 2023-06-15
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from National Recovery multiple times. I spoke with them. They stated that I owed this dept and how would I like to pay for it. I responded by saying what debt are you talking about? I'm not familiar with this. A rep from National Recovery said that their customer came to them in hopes of them recovering this debt from me. I said I didn't have a problem paying for it if it's me that actually owes it to them. I then said provide me the original documentation with my signature. The rep said if I send you the documentation showing I owed this debt will I pay for it? I said sure. The documentation they sent me did not prove I owed this debt. I have enclosed a copy of the documents sent to me. They have failed to provide the proper documentation. I would like to have this removed from my credit report due to failing to provide proper signed and date of documentation proving this debt is mine according to the Fair Debt Collection Practices Act.

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 2023-06-07
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased airlines tickets to travel around XX/XX/2022 from XXXX. I used the method of payment Affirm. it was a total of around {$440.00} Booking # XXXX Affirm pay XXXX however I had a family emergency and I was not able to travel so I cancelled my booking and requested a refund to Affirm. I communicated via email with XXXX requesting this cancellation and they approved it and proceed to send a refund to Affirm which it never happened. I have tried many time to contact XXXX regarding this issue and they all said that the refund was granted yet my credit now has been affected with a collection for apparently not paying Affirm for something I never used and was told the money it was going to be returned back to the original form of payment which it was Affirm. I also spoke to members of Affirm explaining everything and how I never used the money or traveled but they told me that they would wait for cheapoair to refung them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is refusing to close an escrow account that is not required by the loan agreement. 

After speaking with them by telephone three times and submitting a request on their website requesting clarification and documentation as to why my request to close my escrow account was denied, Caliber has provided no proof that an escrow account is required for my loan. In summary, in a letter dated XX/XX/XXXX, Caliber denied my request to close my escrow account due to the reason " Your loan has lender placed insurance or an outstanding lapse of insurance coverage. '' My loan does not have lender placed insurance ( although it previously had ) and has never had a lapse in coverage. Caliber agents advised by telephone that, despite the denial letter 's reference to the current status of the loan, the denial is based on XXXX XXXX 's requirement that any loan that has EVER had lender placed insurance or a lapse in coverage have an escrow account. This directly contradicts the reason given in the denial letter. When I asked the Caliber agents to provide written documentation of guidelines used to deny my request and which supports their contention regarding XXXX XXXX requirements, they were both unable to so, directing me instead to do my own research on the XXXX XXXX website. When I made a written request via Caliber 's website for clarification and documentation, I received only a one-line response ( " Our records indicate due to a lapse in insurance coverage in XX/XX/XXXX there was a lender place insurance policy opened for your property. Due to this having occurred your request to remove the escrow account was denied due to the lender requirements. " ). This response failed to provide an explanation for the discrepancy with respect to the denial letter or proof of lender requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a Bank of America reported on my XXXX XXXX annual statement I did not recognize nor open. 

I called the number on my XXXX XXXX report for Bank of America at XXXX Eastern time and asked to speak with the fraud department. 

I informed them that I didn't open this account nor do I recognize it. They told me it looks like I did since there are many transactions on the account. They listed addresses I never lived at nor recognized over the phone. 

On my XXXX XXXX report Bank of America lists California drivers license : XXXX My license California number is : XXXX They wanted proof that I never opened this account, so I asked them what identification was used to open this account since my XXXX report that Bank of America stated is not my drivers license number and is different. 

They could not provide me with this and said all they had was a signature. 

So nothing was resolved hence why I am coming to CFPB now to help me resolve this.

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 2021-08-10
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received correspondence from XXXX XXXX  XXXX, law office representing Citibank , N.A . stating they were a debt collector attempting to collect an alleged debt. 
On XX/XX/XXXX, I mailed a letter asking for validation of the alleged debt. 
On XX/XX/XXXX, received another correspondence from XXXX XXXX  XXXX listing information and not validating the alleged debt. 
On XX/XX/XXXX, mailed an Affidavit of Loan Denial certified to XXXX XXXX  XXXX that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified to Sears/CBNA that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified for a third time that went unrebutted and stands as truth in law. 
On XX/XX/XXXX and again on XX/XX/XXXX ( due to usps delivery delays ), I mailed a notarized Affidavit C & D certified to XXXX XXXX XXXX. 
On XX/XX/XXXX, I received documents from District Court of Maryland for XXXX County stating the case had been voluntarily dismissed. 
On XX/XX/XXXX and again on XX/XX/XXXX, I mailed a notarized Affidavit of Truth demanding that the information being reported to the three consumer reporting agencies be deleted from my three consumer reports, subrogation of the bond to settle the charge and an invoice for XXXX for violating the following FEDERALLY PROTECTED CONSUMER RIGHTS15 USC 1681n, 15 USC 1681o, 15 USC 1692c, 15 USC 1692d and 15 USC 1692g.

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 2023-10-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Jp morgan card services put an incorrect inquiry on my credit report. I called and explained to them that I hadnt recent applied for a credit card and to not let anymore credit inquiried happen without 3 stage verification. They allowed another inquiry to take place the following day. When I called back to complain to them they stated they cant stop a fraudster from applying for new cards and I explained to them the technology is available for 2 step verification and this shouldnt be going back on my credit report again and again.. i had already placed a fraud alert on my 3 credit reports prior to the seconf inquiry and they were just allowing this to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Lendmark Financial Services
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I submitted all the required paperwork for the loan and was told I was approved and and was told the loan amount and payment amount in the process of purchasing a vehicle with the loan was told that the supervisor had changed theyre mind and was not going to fund the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: North Shore Agency, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I refer to the letter dated XX/XX/2019 from North Shore Agency ( hence after NSA ) suggesting that I owe an outstanding past due balance to XXXX and that NSA is collecting this debt on behalf of XXXX. The letter suggests that I owe an outstanding past due balance of {$130.00} to XXXX. The assigned ID # is XXXX, and the Invoice No. is XXXX. 

I have taken the following actions : -I have contacted XXXX costumer service to confirm that I never owe any outstanding past due balance and that the PO Box located in Pennsylvania that you have provided in your letter is not associated with XXXX  ; -I have examined my credit report and confirmed that this debt does not exist under my name ; -I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information ; -In light of the above information, I have reason to believe that NSA has fabricated this debt in order to harass me and collect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Midwest Service Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

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