BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt the provided a letter stating the debit is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone nobody could give me an explanation of what the extra {$50.00} was for.This account is ruining my credit and is preventing me from finding a home for my family. The status of limitation for the state of GA is 4 years and this account has exceeded at 5yrs & 4mos

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I reached out to the consumer reporting agency Experian in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to XXXX usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( 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 2018-02-18
Company: EQUIFAX, INC.
State: MI
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:
Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX XXXX pandemic was high. We were unable to make monthly payments with hours being cut at my job due to the pandemic. We used the forbearance and it had ran out. We tried over and over to work with the company to make refinance arrangements and were told no they couldn't. 
In XX/XX/XXXX we applied with XXXX XXXX  XXXX XXXX to help us get caught up and work with Mortgage company. 
We were told not to make any kind of a payment during the foreclosure program. We continued to ask if there was some way to refinance or use equity to get caught up. We were consistently assured during the mediation meetings that there was a solution to this and be able to not go into foreclosure. We constantly had different people represent the mortgage company and they seemed to not know the case or what was happening. The Meditator and Lawyer was consistent with this being able to work out a positive resolution. 
At the end of the mediation period, XX/XX/XXXX, we were told by the mortgage company that they were unable to help us until we were able to pay the arrears in full then to continue monthly payments each month. 
In XX/XX/XXXX, we spoke to the mortgage company about refinancing the house and was told he didn't understand why the underwriters couldn't do there as we have enough equity and finances were better to be able to pay each month. 
XX/XX/XXXX we were served with Notice of Sale of our house. 
XX/XX/XXXX the mortgage company called to talk about payments. In that conversation we were told that they are just a finance servicing company and they don't offer refinancing as an option. 
We feel we have been strung along for months. If they would have worked with us anytime during this process we would not be up to {$37000.00} in arrears and possibly losing our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TRANSUNION RECENT REPORTED A COLLECTION ACCOUNT THAT IS NOT MINE, ALSO THIS COLLECTION ACCOUNT WAS PREVIOUSLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS. I DO NOT OR NEVER HAD AN ACCOUNT WITH XXXX, XXXX CAN NOT PROVIDE ANY CONTRACT SIGNED AGREEMENT, PHONE CONVERSATIONS OR SOCIAL SECURITY NUMBER OR MY NAME ON AN XXXX 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX XXXX I was involved in a consumer credit transaction with Exeter finance. As I'm going through my truth in lending disclosures I notice it says there was a finance charge involved in the consumer credit transaction. A finance charge is the SUM OF ALL CHARGES and does not include charges of a type payable in a comparable cash transaction. You will see in my contract that there is a down payment of {$1500.00}. During my consumer credit transaction, Exeter asked me to put down more money so my monthly payments would be less than what they are. In actuality, there should be no monthly payments because I used my credit card for this transaction. There was also no insurance provided in my finance charge which is a violation of 15 USC 1611 and 15 USC 1605. No one stated clearly and conspicuously what my finance charge covered and did not clearly and conspicuously disclose my right to recission or provided me with the appropriate forms. During my consumer credit transaction, I never received adequate notice. I am demanding to be reimbursed for my down payment and that I be paid by check double the finance charge. I was never given the opportunity to opt out for this transaction to not be reported to a consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Information for Chase Bank On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX XXXX XXXX XXXX ( Bill of sell, XXXX XXXX XXXX XXXX ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks XXXX and XXXX. 


I would like to Know HOW many other fake accounts were set for the elderly up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over year ago having PayPal account I noticed I could make donation campaign offered by PayPal and do I did. Some people donated. 
Later on a donation or donations were pulled back using PayPal system by donors. This were XXXX dollar donations. 
PayPal is the owner of site and it's security. After sometime PayPal suspended my account for unknown ( never explained in writing ) reason. PayPal requested full set of verification and I obliged providing Sale personal information. 
Today I noticed, my account is blocked. I have around XXXX dollars that PayPal is refusing to send to me or use it. This is now over a year. I used PayPal in the past and it was horrific experience. I used it again and met the same fraudulent behavior as before. This is malicious intent company and I'm asking you for help. 
Since there is NO communication from PayPal and they STOLE my funds I'm asking for criminal investigation. 
At one point PayPal accused me of fraud. Meanwhile it is PayPal who is responsible for processing donations for my paralyzed family member. I'm appalled that US government is allowing this company to do business on American soil. 
I'm XXXX old XXXX who used PayPal site to run campaign provided and maintained by PayPal to be only treated this way. 
As i mentioned, my experience with PayPal is just mental oppression. 
Cc : DOJ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved

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 2023-03-16
Company: Albert Corporation
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX, several credit cards were opened in my name, the same week my ex wife and I sold our house. I have a fraud freeze on my accounts via the 3 major credit bureaus. 

On XX/XX/XXXX, someone fraudulently opened a XXXX XXXXXXXX XXXX checking account in my name. After receiving congratulatory emails and Texts from XXXX, I contacted them and was able to close those accounts. At that time, I also created a XXXX  security alert. I have since placed a security freeze. 

On XXXX, XXXX, XXXX, I received a congratulatory email from Albert, a prepaid card/ direct deposit company that has an app called Albert . See https : //albert.com They said I successfully opened an account with an account number from XXXX XXXX  XXXX XXXX Ohio XXXX 

I contacted XXXX XXXX. After several days leaving voicemail messages, someone ( XXXX  ) finally called me back. 

XXXX XXXX  said I don't have an account with XXXX XXXX  but that XXXX XXXX  supplies the plastic cards to companies like Albert. They said the nature of these accounts is for direct deposit. XXXX XXXX  said I should check to verify where my checks from my employer are being direct deposited. 

However, many people also use direct deposit for their tax returns. I have less control over that. What if this person decides to fraudulently submit a tax return in my name? 

I have emailed Albert at support@albert.com asking them to close the fraudulent account. 

I have also filled out an online contact form regarding prepaid accounts at XXXX XXXX  's website, XXXX XXXX XXXXXXXX. Under the section for Prepaid Accounts ( including Albert ) there is a " Contact Us '' button where you can file a complaint for the Prepaid Accounts.

With that all said, the Albert account is still open. I don't know what to do. I need your help closing this one and preventing future checking account/ direct deposit fraud.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2023, I received a letter from Bank of America with an attached ATM card for a new banking account open under my name. I never opened, nor did I give anybody permission to open an account with Bank of America on my behalf. 
I tried to contact Bank of America customer services and called every phone number provided on the letter as well as on the Bank of America web site. I was never able to talk to anyone. I walked into an agency, but the personnel told me to contact the Customer Service. 
I then addressed a letter requesting an explanation as of how this account was opened, which I mailed to the Customer Service address indicated on the front page of the Bank of America statement. I never received any response. 
Later that month, I received another letter informing me of Bank of America 's decision to close the account because they were not able to verify my identity. I then tried again to contact the Customer Service but was still unable to talk to anyone who could explain what was happening. 
Despite the account being closed, I continued receiving statements from Bank of America until XX/XX/2023. I tried again to contact them - no results. 
I then contacted a financial attorney 's office, where I was told that it might be the result of an identity theft. Since I was not able to talk to anybody at Bank of America, I can not establish whether this is the case. 
I then called the XXXX XXXX XXXX where the agent told me to contact the Consumer Financial Protection Bureau.

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 2017-08-16
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six 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 an alleged fraud or extortion. 
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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-03-05
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX  to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
Tried to reach out many times to get these issues taken care of with no luck

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 2019-12-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Sony Credit Card account was transferred from XXXX XXXX to Comenity Bank. The transfer was NOT initiated by me. Upon receiving the first ever statement ( attached ) by Comenity Bank for the month of XX/XX/2019, I noticed that I was charged a {$25.00} late fee and {$47.00} of interest. I called Comenity and I was told that I was charged a late fee and an interest because I missed the first balance due of {$1800.00} for the month of XX/XX/2019. Please note that I had an auto-payment setup for years with XXXX XXXX and never missed a single payment. How was I supposed to know how much was due to Comenity in XXXX if the first ever statement Comenity mailed to me was for the month of XXXX? If the balance for the month of XXXX was due to XXXX XXXX, it would have been auto-paid. If the balance for the month of XXXX was due to Comenity, Comenity should have mailed the XXXX statement to me so I could have paid it. But Comenity didn't. Please note that I have a screen print ( attached ) of the Comenity statements available online, which clearly indicates that XX/XX/2019 is the only statement Comenity ever produced for me. In other words, Comenity failed to inform me about my balance due, and then later charged me a late fee and an interest because I did not pay the balance which was unknown to me. Please note that the auto-pay I had with XXXX XXXX was not transferred with the account to Comenity. The whole story could be interpreted as fraudulent if Comenity, in bad faith, deliberately failed to communicate to me and maybe to other customers acquired from XXXX XXXX their balances so they could cash-in interests and fees. Please investigate if I am the only one that incurred in such a problem. Please note that I have and always had an excellent credit score. I am hereby declaring to retain all of my rights to seek legal advice and representation and potentially start a class-action lawsuit in the event that the negligent and possibly fraudulent behavior of Comenity Bank is not taken care of promptly.

Company response to consumer: Closed with monetary relief