BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim to an identification death. I lost my wallet five years ago with all my information such as ID- Social Security Card - Credit card .... I reported to the police it was in XXXX XXXX XXXX. The police found the valet, however, all my informations was stolen and they left only my Id. 
Some use my personal informations and applied several credit cards under my name - 1- XXXX XXXX : XXXX was opened on the : XX/XX/XXXX 2- XXXX XXXX XXXX : XXXX was opened the : XX/XX/XXXX 3-XXXX XXXX : XXXX was opened XX/XX/XXXX All these credit card listed above was fraud. Someone used my personal information to apply these credit card and now they all charged off. 
I was able to report it to the main 3 credits bureau such as XXXX -XXXX and Experian. 
XXXX and XXXX after there investigation found that all these account was fraudulent and deleted all of them. 
I did the same process with Experian and they don't want to delete these fraudulent credit under my account. 
I put a permeant fraud alert under my account for credit monitory. 
My name is XXXX XXXX DOB : XXXX SS : 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 2019-05-14
Company: Credit Systems International, Inc.
State: TX
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 notification today that a collection was added to my credit report in the amount of {$66.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been targeted by two collection agencies thus far -- XXXX and now ERC. XXXX began calling almost daily this past spring 2019 looking for someone with the same last name as ours, but who doesn't live at this address and never has. ( I thought they just had the wrong number at first when I heard their message on my voicemail. ) I've also had this same phone number for over 30 years so the person they were looking for never had this number before as they suggested. I complained to XXXX and they finally took me off their calling list in XX/XX/XXXX, but apparently this matter was simply transferred to another collection agency -- ERC -- who is now calling me too. ( I don't know if XXXX did this, but wouldn't be surprised. Are they all connected? ) I finally talked to an agent at ERC today, XX/XX/XXXX, and she said they would take my number off the list again. This is the second time. I fully expect a third collection agency to call me looking for the person they're trying to collect a debt from. I'd like to know how these agencies get away with telephone harassment of anyone, especially those who aren't even involved in the collection matter and are called simply for having the same last name. It's reprehensible. What are my options for dealing with this in the future? Can I file a complaint with the XXXX and FTC? Can you tell I'm pretty ticked off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Bread Financial Holdings, Inc.
State: NC
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:
after I filed these complaints, They still called the next day.

However, I did call them, all the guy wanted to do is belittle me and tell me this is not customer service. He said his bills are paid.

I in fact set arrangements and they still attempted to threaten and harass me about the bill.

Now, they sent an update to the credit bureau and put 120 days past due. Out of spite ... I even have automatic payments going to them.

That's not what they agreed upon. they are dirty..

NC was included in a Natural Desaster Area and I was included in a flood area.

I lost work due to Hurricane Florence.

I will also contact the NC Govenors Office because of this. Consumer affairs.

Yes, it was a past due account, but now they will not allow me to follow through with the arrangements since they wouldn't stop calling, I told them to cease and desist. any and all communication.

They stopped calling, but they are trying to affect my credit in a negative way now, since they did not get their way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: OH
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 XXXX of 2019 I disputed and made an attempt to correct a few errors that were being reported on my Experian credit report. Two of these errors were two accounts that had gone onto collections ( medical bills ). The other two errors were accounts that were still being reported after 7 years of being reported negatively. The two medical bills that were reported were not paid by my insurance in which I was not aware of. I'm not saying that the bills are not mine, just should be given the opportunity to make payment arrangements on them instead of them being turned into a collection agency, then turned in to the credit bureaus. I disputed these same four accounts with XXXX and XXXX and after completing an investigation both agencies removed the information from my report. According to the Fair Credit Act, Experian has the responsibility of reporting consumer credit information accurately.

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 2019-07-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Account XXXX XXXX This loan was paid off late XXXX. We've been waiting for the title of the Motorcycle because we intend to sell however we've been advised by a customer service rep that it'll take 3-6 months before DMV released the title and when i called DMV i was advised that it was sent early XXXX and it was sent to XXXX XXXX XXXX XXXX XXXX and our address is XXXX XXXX  XXXX XXXX XXXX. Because of this matter we will need to take a day off from work to apply for duplicate title and address change will cost us as well. Another representative I spoke states I should've contacted the postal services and asked for my title! How am I supposed to that when I don't even have a time frame on when it'll get to me due to deceiving information from their customer service. 

Account XXXX XXXX on XX/XX/19 I received a collection call states I was sour days past due on my monthly payment. I looked at my bank statement and Synchrony bank cashed my check on XX/XX/19 for {$180.00} which is more than the monthly paynment. I called back on XX/XX/19 @ XXXX and explain that a payment was processed on XX/XX/19 for {$180.00} and was advised that they will take care of it and clear the delinquency. Since then i continue to received phone calls multiple times in a day. 
XX/XX/19 @ XXXX XXXX  I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I took an early lunch to discuss the misapplied payments again because i knew they would not stop calling my number. 
XXXX @ XXXX XXXX I received another call and I couldn't pick up because I was back to work. Since this account was open I've been paying prior to due date and sending more than minimum payment and to us we've been harassed numerous times.

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 2019-07-10
Company: Innovis
State: MI
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 received and closely studied a copy of my credit report. To my dismay, it seems as though CBCINNOVIS is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was  around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment directly to the company XXXX XXXX XXXX XXXX in XX/XX/2019. The collection agency is SCA COLL and theyve resubmitted to the credit bureaus as if the payment was not satisfied. I contacted the original debtor and they said they would contact SCA. Im pretty sure its an error not sure why would they resubmit my info.

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 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Tonight, XX/XX/XXXX as i was checking my credit report on XXXX XXXX there was a Hard Pull Inquiry that I did not even authorize on my report from : XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX and XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX I used XXXX XXXX time during my military years when I was XXXX  In XXXX XXXX in XX/XX/XXXX and after that I have not used it anymore, and now I see that they did a hard inquiry without even me knowing. I tried calling XXXX right away and all they did was pass me around to some people that does not even know how to handle my problem. I have been trying hard to build up my credit score as I am planning to get my growing family a new house. And with unauthorized inquiries like this is not helping at all. 

I am hoping for your fast action on this matter as I am afraid that it might be a case of stolen identity, which I hope not.

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 2019-07-10
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When my ex and I broke in 2012 up She was working for XXXX XXXX  in sales And she had purchased a vacuum with out my knowledge or consent She had stolen all my information and Had forged my signature I have filed a police report I have tried contacting the creditor And I have tried to disputing through XXXX XXXX The creditor had sent back a copy of the contract the signature on the contract is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After viewing my credit report, my son made a payment to take care of my medical debt that went into collections mid last year XXXX. 

There were 2 collection companies : Choice Recovery and XXXX XXXX. 

Payment made XXXX/XXXX/XXXX for {$57.00} then the remaining balance XXXX/XXXX/XXXX for {$53.00} to Choice Recovery. 
and One time pyment made XXXX/XXXX/XXXX for {$56.00} to XXXX XXXX XXXX XXXX. 

Viewing my credit report, XXXX XXXX still has my account with an open balance when it 's been paid in full XXXX/XXXX/XXXX. ( Opened XXXX/XXXX/XXXX and Reported XXXX/XXXX/XXXX ). 

Choice recovery should be removed/deleted please ... as agreed upon prior to payment was made XXXX/XXXX/XXXX. This was a 3-way phone call, since my son was making the payment over the recorded conversation via telephone. 

I am viewing my son 's bank statements as of XXXX XXXX, XXXX and my credit report as of XXXX XXXX, XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX. 

There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available. 

The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Google Compare Credit Cards Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Google Pay will NOT let me send mo way to anyone and Ive sent documents proving who I am several times and they still wont let me send AND they refuse to give me a reason as to why not!

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 2021-12-01
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer of {$5000.00} to Coinbase onXX/XX/XXXX. They reversed the wire three days later (XX/XX/XXXX ) due to a name mismatch. The money never made it back to my account. I sent several emails, one 7 days after the notice, another one after 14 days, and recently one after 16 days. All I got in response is " Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' They have still not reversed the wire. I called their bank and they said the money is in Coinbase 's  account. As of now I have still not received my money back.

Company response to consumer: Closed with explanation