BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: TD BANK US HOLDING COMPANY
State: OH
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:
To whomever you may be on the other end of this correspondence, .. 
thank you for your time and help, I never received the XXXX, XXXX XXXX XXXX statement showing a payment due. 

-We have not been 30 days late on a credit card in several years ( 5-10 years+ ) -On XXXX XXXX Target  XXXX XXXX " collections dept . '' contacted me in regards to my payment being 30 days past due, actually 38 days past due by the time they first contacted me. 

-I immediately paid the balance {$110.00} -They then contacted me AGAIN in regards to the same balance amount on XX/XX/18 -I paid the balance again. 
-This resulted in an over payment and a refund from them. 

-I disputed their reporting this 30 day late to the credit bureaus & directly with them. 
They said their records are accurate but clearly they are not and this is proven by their double collection of the same payment. 
-The statement was never received otherwise this small store credit card would have been paid. This is their error and it is greatly effecting my credit score. 

-- It is having a direct impact on our financing options and intrest rate on the purchase of a home and the intrest rate of that 30 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: The CBE Group, Inc.
State: NV
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 received repeated phone call voice mail messages from a " debt collector - CBE '' with a phone number of XXXX. They do not say who they are calling for. 

They ask us to call them back. When I do, I get no one, line busy, or message saying no one is available & hangs up or something. 

As far as I am aware, I do not owe anyone any money. I have not received any invoices from anyone, nor have I received anything from this CBE company by US mail. 

I believe this company, phone number, and messages they leave me to be some sort of scam company or that they have the wrong phone number. 

In your form, I had to state who this pertained to - myself or someone else, and since you did not have an " I don't know '' option there, I typed in my name & contact information, but this company has never left a person 's name that they are calling about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Scott Fetzer Financial Group Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX, XXXX, XXXX, and XXXX I am writing to dispute an account that is appearing on my consumer report. The account, with account number XXXX, is over 7 years old and should no longer be appearing on my report. I request that you take immediate action to remove or delete this account from my consumer report. 

As a consumer, I have the right to have accurate and up-to-date information on my credit report. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies remove any information that is inaccurate or outdated. The account in question is over 7 years old and, therefore, should no longer be appearing on my report. 

Furthermore, I would like to grant your company the opportunity to amicably resolve this matter. I request that you take the following steps to rectify this issue : Confirm that the account in question has been removed or deleted from my consumer report. 

Provide me with written confirmation of the removal or deletion of the account from my consumer report. 

Take any necessary steps to ensure that this issue does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. Please contact me at your earliest convenience to confirm that the account has been removed or deleted from my consumer report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: DISCOVER BANK
State: FL
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 call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I requested a document with my handwritten signature to verify that this account is mine ; none was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its so much on my credit report that I dont know where to begin. From XXXX up to this year XXXX. I didnt know that the debt that was owed was on my credit report. I didnt receive the notice on most and some I did but I didnt know I could dispute it. I also tried contact XXXX XXXX XXXX to dispute the fraudulent transactions they have reported in XXXX or XXXX at that time I was XXXX XXXX and going through a tough time on life when I was physically XXXX due to XXXX. And the other years I was XXXX  to XXXX  and XXXX  physical and so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
If account is under {$10000.00} then Lending Club has XXXX remove {$100.00}. This is illegal for several reasons. To let all the loans run out requires the amount to run under {$10000.00}. Secondly, an invoice was never sent from XXXX. Thirdly, I now live in a state that makes an account at the Lending Club illegal. ( NC )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original collector turned the account over to another collector ( Paramount Recovery ) account open dates currently shows XX/XX/XXXX, the actual original collection open date was XX/XX/XXXX. The company Paramount Recovery, whom I have not received any services from nor had any contract with has placed collections on my credit report in the amounts of {$200.00}, {$220.00} and {$920.00} with an open date of XX/XX/XXXX. I have placed disputes through all XXXX credit agencies at least twice and I have not received a fair response as yet. This company has yet to prove that I owe them for any services, still the debt shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX has been very difficult to deal with! My dad took loans out on himself and paid off two of my three student loans. The second loan we paid off, XXXX XXXX added a charge of {$5.00}. We paid that amount just so we can clear the loan. After I contacted XXXX XXXX and they claimed that the amount was a mistake and will put that amount paid towards the loan that still has a balance. I also got an email saying the loan is paid in full. One week after, instead of removing the balance from the loan as they were supposed too, they added the {$5.00} to the loan that was paid off again! Also, they still haven't sent us a statement once we paid off two loans ; which we requested about three weeks ago. Please help us, we are beyond frustrated by dealing with XXXX XXXX and their customer representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: ID Analytics, Inc.
State: PA
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 : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately.

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase, a popular virtual currency wallet, is advertising that their wallets are insured by the FDIC. By my understanding, this is factually inaccurate and misleading to potential cryptocurrency investors. 

Link to the page where this is stated XXXX XXXX XXXX XXXXXXXX Quote in question : " If you are a United States resident , your Coinbase USD Wallet is covered by FDIC insurance, up to a maximum of {$250000.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraudulent Activity! 

I have called up Chase and got the run around on separate dates ; XX/XX/2021 XXXX ( STOLE ) {$5000.00} XX/XX/2021 XXXX ( STOLE ) {$400.00} XX/XX/2021 XXXX ( STOLE ) {$190.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} Totaling {$7500.00} After I saw these transaction, I called XXXX. No support service, just automated messages that didn't pertain to anything I needed. Set email after email ( I HAVE PROOF and PHOTOS of all these CLAIM # 's ) NO RESPONSE, Just automated messages that say go to the account. No one messaged me and there's no way to the account. 

As I tried, XXXX has my old phone number and it was impossible to receive SMS texts. I verified ( WITH PHOTOS INCLUDED ) my newest number. Yet nothing happened. I had to text my old phone number for the codes. ( HOW EMBARRASING with PHOTOS ) Once these codes were placed nothing happened. My {$7500.00} was wiped from my account. 

I contacted Chase and created a claim because my money was stolen from me, they just denied the claim because I did recent transactions in XXXX with them. AGAIN, THEY STOLE MONEY OUT OF MY ACCOUNT. Out of no where, I get a {$410.00} unauthorized credit to my Chase account. 

I AM STILL MISSING A STOLEN {$7000.00} CHASE denies any responsibility and I am left with no protection. I filed a Police Report, I filed to the XXXX 

I have no protection from my Bank. XXXX doesn't respond XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: SC
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:
I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION

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 2020-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Per XXXX, Experian, and XXXX  they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.

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 2018-08-11
Company: EQUIFAX, INC.
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 XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX  XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage has recently been transferred to a scumbag servicer called Statebridge Company. Our mortgage was paid up with a perfect record prior to these people showing up. We had our payment automatically transferred every month from our checking account to the previous servicer, XXXX. There were no problems once they got their act ironed out. 

I have tried to work with Statebridge Co several times and keep getting told that their are fees associated with doing business with them. These XXXX want a XXXX dollar fee for me to pay a XXXX dollar mortgage payment. Yes I did not mis type that. 

Furthermore, the agent I just talked to, advised me that there was a balance of XXXX dollars on my account. That is impossible as I am only 2 or 3 payments behind. How do they get XXXX dollars when it should XXXX. The agent then tells me that a XXXX dollar fee was attached by XXXX. That has to be a lie. The mortgage was paid up and current when these XXXX XXXX took it over. 

When I asked for a supervisor, I was told by the XXXX  agent, who clearly had no concern for my issue, that a supervisor was not available. 

What is most concerning is that this outfit has me 2 or 3 payments behind by their own act. I tend to believe that they are set up to use foreclosure to steal property from the public. 

Please assist me with getting my mortgage straightened out. I am on a limited income and can not afford to toss money around to every mortgage XXXX that shows up on my phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Information belongs to someone else

Complaint:
I sent a letter on XXXX to remove these : 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 that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible

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 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XXXX paypal send the Permanently band my account but i have a balance XXXX and he closed permanently my account i always using that account in my online business service in digital online, service money transfer international.

Company response to consumer: Closed with explanation