BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Novea Portfolio Management LLC
State: MN
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:
XX/XX/ received odd phone call from *restricted* number stating I had a pending court hearing with XXXX County on XX/XX/ @ XXXX and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute XXXX ( XXXX ) XXXX and a file number of XXXX. 

XX/XX/ I contacted XXXX  ( XXXX XXXX XXXX ) and spoke with XXXX XXXX at XXXX. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX to validate everything. He said ok and to give a call back. 

XX/XX/ I contacted original credit card vendor XXXX and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact XXXX and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment. 

XX/XX/ received phone call from XXXX at XXXX. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX and then hung up on me. 

XX/XX/XXXX received second phone call from XXXX at XXXX. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We received an e-mail on XX/XX/XXXX from XXXX Credit Card servicing XXXX indicating that we had a payment due on XX/XX/XXXX. We check our bank account every day and no E-Bill from Comenity Bank was indicated. 

On XX/XX/XXXX, we received an email from Comenity indicating that our payment was past due. Shocked we checked the XXXX credit card and found we missed a payment. But we thought the payment was due on XXXX. We immediately made a payment on the first available date, XXXX XXXX through our bank account. 

We complained about the bank 's error and received a late free credit of {$29.00} on XX/XX/XXXX. On XX/XX/XXXX we asked Comenity customer service to credit our account for {$4.00} in interest charges. We were denied. We do not believe this is acceptable as this was a Comenity error to begin with was shown on the attached email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I purchased a set of XXXX XXXX  that were advertised on XXXX for {$59.00}. I paid immediately via PayPal using my account XXXX. 

The sellers info is : XXXX XXXX The receiver of this payment is Non-US - Unverified XXXX I did not receive tracking information so on XX/XX/XXXX I filed a dispute after seeing how many complaints there were online about the seller ( I googled the XXXX email ). After almost two months, PayPal closed my dispute stating that the seller provided tracking info showing that the product was delivered. This is not the case. The tracking info ( XXXX XXXX XXXX XXXXXXXX ) said that a package was left in a mailbox in my zip code, but did not contain my actual address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NY
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:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I requested my annual free credit report with experian and was charged {$1.00} for the access despite not having requested my credit report for the year. Today, on XX/XX/XXXX, I was charged {$21.00} by Experian for completely unknown reasons as when I contact the company, they say I have no active membership with them and when I look online it says I am OWED a refund of {$21.00}. Now, no one can tell me why they charged me or what it was for and I want all {$22.00} refunded immediately. When I look up the company who charged me, it is Experian doing business as XXXX. This company has been sued multiple times for doing this to others and they are still doing it.

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 2021-08-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We signed closing documents with Ally Bank while in XXXX  on a XXXX  condo. Days later we were informed by Ally that the closing was void because they failed to provide a lawyer at signing which is XXXX  law. We closed again several weeks later and continued paying both the original lender and then the new lender after the second, official closing. We then started getting bills from XXXX XXXX for the original failed closing. They insisted the original closing was valid and refused to help us. Ally also failed to help us. My credit score now has dropped by around 100 points due to XXXX XXXX showing late and missed payments on the fraudulent mortgage. This is the only negative thing ever on my credit report.

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 2022-06-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have opted out of everything possible with Capital One credit card. However several months ago I was notified that my rewards dollars were now linked to my XXXX account without my permission. I believe that knowing the cash back terms of the account and tracking the dollar amounts each month provides way too much information about my finances ( spending habits, income range, etc. ) for me to be comfortable. So I called Capital One to better understand why they would share my personal financial information with a third party without my permission, and they told me that cash back was not financial information ( cash is not financial? My credit card spending each month is not financial information?! ). So I asked them again to stop sharing my financial information with third parties and that I still wanted to opt out of everything possible, and they assured me that they would comply. Yesterday I received an email from XXXX that my cash back from my Capital One credit card could now be used for XXXX transactions. Clearly Capital One ignored my wishes, and if they are sharing things I explicitly asked them to not share ( and received assurances ), opt out settings/privacy settings are clearly ignored. With all of the identity theft, etc. that is going on, this adds to the consumer 's risk. Laws need to be adjusted such that the default is no information sharing unless explicit permissions are granted, and that these permissions are not a function of service. Financial institutions, social media companies, etc. are out of control, and are putting consumers at greater risk for their profit. And to my knowledge, there are no repercussions for bad behavior. For these practices to become the norm, all it takes are a few good people to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SYNCHRONY FINANCIAL
State: CA
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: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX XXXX I'm here issues on my credit report i have called to have someone help me removed something's that has been on my credit report to that don't belong to me but they are still showing on my report XXXX or 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 non-monetary relief
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: AK
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:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK 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 2023-11-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was data breach with equifax and have several negative items that are inaccurate. 
XXXX XXXX Acct # XXXX Late payments from XXXX XXXX XXXX/ XXXX XXXX Acct # XXXX Inaccurate Late payments XXXX XXXX Acct # XXXX Inaccurate payments XXXX XXXX XXXX XXXX Acct # XXXX Inaccurate payment XX/XX/XXXX XXXX Acct # XXXX Late inaccurate payment XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For two years in a row, PennyMac has not paid my Escrow for insurance on my house in time. The first time in XXXX, my insurance was cancelled and ultimately resolved. 

This year in XXXX, I have received a call from my insurance company that my insurance was suspended do to lack of payment. After contacting PennyMac, it turns out that my payment was not mailed out and that they would take care of it. Payment was eventually made ( after 5 hours of my time back and forth with the insurance company ), but it should not be the responsibility year over year to be a go-between to make sure payments are made.

When I ask XXXXXXXX XXXX about the calls and letter that PennyMac mailed, they have no record, PennyMac hasn't provided me any details of them calling XXXX XXXX and or the company they represent XXXX XXXX. 

This can cause harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Personal information was recently stolden in conjunction with vehicle theft. 
In attempting to creat online accounts to monitor and freeze credit, signed Transunion, and the other two. 
Other two companies offered free accounts, and verified personal info in various ways incl. birthday or credit card. 
Transunion asked for credit card information. 

After signing up for the account, turns out Transunion is the only one that charges a monthly charge for the online account, without telling you during the sign up page ( who charges you for something they don't tell you about!? ) When calling, I was told it was part of the terms of service that I didn't read carefully enough. 

Every. Other. Website has a shopping cart with price info if they are going to do something like this. 
How is a company that's making money off me already by my information billing me in the sneakiest way possible, and then making it my fault that they bury a price in a document that I'm sure their own employees don't even read?

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 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An unauthorized transaction of {$460.00} was posted by account via a " pinless '' transaction. The transaction occurred on XX/XX/XXXX in XXXX XXXX. I have never been to XXXX XXXX and worked in my office located in XXXX, Illinois ( USA ) on the date of the transaction. The transaction posted to my account on XX/XX/XXXX, was pending on XX/XX/XXXX when I logged in after being notified of the potential fraudulent transaction. 

After Bank of America alerted me of suspected fraudulent activity. I logged into my account morning of XX/XX/XXXX to see the transactions, then called bank to confirm the fraudulent transactions immediately after logging into my account and viewing the transactions. My claim was denied on XX/XX/XXXX via email. When I called I was told it was because majority of the transactions never posted to my account, however when I informed them that one transaction did post to my account, I was not provided an explanation on why it was denied. I was also not told that they will " reopen '' my case. I was merely told it would be expedited and I should receive my money before end of the week. When I did not receive any notification or credit, I called customer service and on the second call I was told my claim was denied because I failed to respond in a timely manner. Later that day I called to provide additional information as I had conducted my own " investigation '' and confirmed one of the chip transaction was authorized. I then asked again about the denial of my claim and was not given an answer and that the reason for denial relayed by the previous agent about my delayed response to file should not have been the sole reason for denial, however I was told it could take up to 60 business days for me to receive a credit on my account ( if I am provided one ). 

I have been given contradictory information regarding the denial of my claim and contradictory timelines on resolution. I have been credited the international transaction fee ( {$13.00} ) related to the {$460.00} transaction but not the transaction itself. I did not authorize this transaction and should not have to wait the sixty business days if I have not been provided an explanation for the original denial. The lack and inconsistency of information has been frustrating and my timeframe to alert the bank of the fraudulent transaction has been timely.

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 2023-04-30
Company: EQUIFAX, INC.
State: IL
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 am writing to dispute the accuracy of the following item on my credit report, which I obtained on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX {$1800.00}. I do not recognize this account and I have no previous knowledge of it. Supply information to validate. If you can not validate then it needs to be deleted immediately. This collection is in violation of USC 1681b. Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against AD Astra Recovery Services for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted AD Astra on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was XXXX XXXX and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with XXXX XXXX. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from XXXX XXXX or AD Astra Recovery about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against AD Astra as this negative reporting on my credit has created a serious financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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