BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
so I disputed a bankruptcy after allot of back and forth XXXX XXXX agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other XXXX XXXX is saying call the bureaus they will update and the bureaus are saying call XXXX XXXX. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  XXXX  & Experian XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XX/XX/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 2018-09-19
Company: National Check Resolution Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX left a very threatening message on my work voicemail that I have saved. I have faxed and emailed Cease and Decease letters to NCR so I left a voicemail invoking this. But they are still calling work and family members

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: TX
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 REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX XXXX XXXX I HAVE SENT IN CERTIFIED LETTERS DATING BACK MONTHS AGO NOTIFYING EXPERIAN THAT MY IDENTITY WAS STOLEN AND THAT I A FEW ACCOUNT HAD BEEN OPENED ON BEHALF OF THAT AND THEY HAVE FAILED TO REMOVE THESE ACCOUNTS AS FOLLOW. I HAVE NEVER DONE BUSINESS NOR HAVE NEVER SEEN THESE ACCOUNT S BEFORE IN MY LIFE AND IM TRYING TO SORT OUT WHY ARE THEY FRAUDULENTLY REPORTING ON MY CREDIT REPORT WITH MY AUTHORIZATION. I'VE ASKED EXPERIAN TO SHOW ME THEIR DETAILED PROCESS OF VERIFYING AND VAILDATING ACCOUNTS METHOD? STILL NO ANSWER ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND FORGERY.SEND AN UPDATED COPY OF MY CREDIT REPORT ONCE ALL ITEMS HAVE BEEN REMOVED.

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 2020-02-13
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, Midland Credit Management- XXXX XXXX {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an FHA approved forbearance from XXXX with XXXX XXXX, I resumed regular payments on XX/XX/XXXX. 
My forbearance paperwork 'Promissory Note ' was sent with incorrect information on the documents. The documents stated I am delinquent 8 payments, my forbearance was only 6. 
My loan was sold without the documents being corrected and this issue left outstanding. The new servicing company is the Money Source. They have also generated the same incorrect information as the previous company and will not make the correction. 
Furthermore, I have asked the legal department and the loss mitigation departments of the Money Source to provide the guidelines to me via email that allows them to charge me an additional 2 payments, so I may be informed. No one has provided that information. The accounting department of The Money Source shows 6 payments due. Please find out why they will not generate paperwork with the correct amount due. I am NO longer in a forbearance period and have been making monthly payments since XX/XX/XXXX. Forbearance is payment for payment. They are now threatening to report my credit if I don't sign the documents. They are telling me that my payments aren't due but I have been receiving monthly statements to make payments for 3 months. 
Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ) of the FDCPA.

It clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy Not only did Portfolio Recovery Associated contact me against my wishes via mail after I sent them a cease and desist in writing, their communication was outside of the 3 things that are allowed via the law after they receive such notification from a consumer. They are also still communicating with me INDIRECTLY through a MEDIUM ( my consumer report ) - which the CFPB states on their website is OPTIONAL.

Reference the definition of " communication '' pursuant to 15 USC 1692a : the term " communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

They are clearly in violation of the law ( FDCPA ). They are harrassing and oppressing me by continuing to contact me against my wishes as a protected consumer. 

Attached you will see that I sent my cease and desist on XX/XX/2021 and they contacted me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery has violated the cease and desist notice sent to them On XX/XX/2021 by I. Portfolio Recovery has sent me letters during this 30 day investigation period after asking them to NOT communicate with me. Portfolio Recovery has also been sent a notice of default XXXX XX/XX/XXXX, XXXX and signed upon delivery, I have attached notice of delivery and cease and desist letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Have an account at coinbase, after loosing my XXXX-app i have no possibility to get access to my account/money. Resetting the XXXX is offered but it does n't work ( service does not work ) and i 'm still trying it daily but no success. support does n't react, seems like a fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/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 2020-05-19
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Booked my vacation through XXXX on XXXX to travel to the XXXX on XX/XX/20. Paid {$3000.00} with my Arvest debit card. 

Got an email from XXXX saying all trips are canceled due to covid and to talk toy bank about refund options on XX/XX/20. My itenerary was updated and showed a refund of {$1700.00} but I got nothing. 

I have contacted Arvest to dispute twice. The first time they took my info and two weeks later sent a letter saying noting could be done. Second time I called to escalate it and they said they couldnt do anything. XXXX isnt answering calls or accepting info, they ha e layed off their entire workforce and are supposedly closing. 

I joined a XXXX group called scammed by XXXX and tons of people have gotten refunds From their credit card companies and banks. 

Please help if its at all possible

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 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX XXXX  cashier 's check for a car reimbursement. I didn't have time to cash at XXXX XXXX so I went to my bank of america. I went to pls first and they were going to charge me so I put it in my account mobile deposit. It said the funds would be available the next morning at XXXX XXXX 3 days later I'm being told it's another 4 days untill they give me my money. They said it was XXXX XXXX didn't pay the money and I went to XXXX XXXX  and it had been paid for over 24 hour 's. I'm a single mother that lost everything due to XXXX That money was our rent in our extended stay and to buy a car. Were now locked out of our apt with no car. Bank of america still won't budge or even tell me why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have an open XXXX  XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: Certegy Holdings, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
The company Certegy is restricting XXXX from cashing my check, and they will not change their decision or explain in detail why. 

On XX/XX/XXXX, I tried to cash a check that was a little under {$200.00} at XXXX. The cashier told me that it was declined, and that I needed to contact Certegy. That same day I contacted Certegy and I spoke to a representative named XXXX and then to her supervisor named XXXX. They both told me that my check was declined for a combination of three reasons : amount ; check series numbers ; and/or check history. The amount was under {$200.00} dollars, so that can't be it. The check series numbers are just numbers for routing and account numbers from a very reputable company, so that can't be it. Lastly, I have cashed my payroll check from the company I work for at other check cashing places many times within the last 4 years, so that can't be it either. Both of the representatives at Certegy also mentioned that they would not be changing the decision, and that the decision was final. 

Below is additional information : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XX/XX/XXXX XXXX XXXX : XXXX, Check XXXX, Bank # XXXX XXXX, Account # : XXXX, Check Date : XX/XX/XXXX, Check # : XXXX, Reference # : XXXX XXXX Representative : XXXX, XXXX Supervisor XXXX XXXX It should be quite obvious at this point looking at the history of complaints for Certegy and the FTC successfully suing Certegy for {$3.00} XXXX dollars in XXXX that this company is corrupt from the top down, and that they do not plan on changing. They clearly do not have good intentions, and most importantly, they are picking on the poor. It is very simple ; revoke their financial license permanently and get rid of them permanently. They are not a national bank, so you do not have to keep them around or allow them to continue to operate. GET RID OF THEM!!!

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 2018-07-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.

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 2020-11-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a long time customer of Citibank - 20+ years. I have a checking account and 2 savings account. Checking account was opened 20 years ago in FL and around 2 years ago, I opened a savings account. I also changed the address of my checking account and had the accounts linked on my online app with Citi. I had the requirements met to avoid paying any monthly fees. 

I don't get paper statement for my savings account and since I don't do any expenses, cut checks etc., I never had to worry about fradulent charge on my savings account - but, To my surprise, I found that a {$30.00} service fees has been charged on my savings account by Citibank from XX/XX/2019 till now - Over {$330.00} dollars plus. Citibank never had charges on savings account and I was never informed of the same. Citibank says that checking and savings account are not linked and I have to pay separate services charges for the same. 

Citibank declines to provide the details of the fees - as to why, when and how much they charged. Chat support provided the credit for 3 months and indicated me to call the support desk for the remainder. I called Citibank today and they are declining to provide further credits indicating that since bank accounts are from different states, different fees will apply. This information was never provided to me.

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 2018-07-15
Company: Experian Information Solutions Inc.
State: FL
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:
I am filing a complaint because Experian, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you

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 2020-11-17
Company: Self Financial Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment for XXXX/XXXX for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home on XX/XX/2018. Closing statement shows XXXX XXXX took out {$1500.00} to pay property tax, as well as {$210.00} MIP, out of the sale proceeds. I trusted everyone involved and was extremely overwhelmed with moving out of home and into new home. I work long hours & have little time to handle personal affairs. I'm late on preparing XX/XX/2018taxes. In gathering info for tax preparer a few weeks ago, I went to XXXX XXXX XXXX ( XXXX  ) website to ensure I received all tax docs from them, but discovered that I had not received everything. I downloaded Form 1098, XX/XX/2018 mortgage statement, and their Escrow Account Disclosure Statement. I saw that XXXX indicated the {$1500.00} property tax was paid from my escrow impound account, as well as two charges of {$210.00} FHA MIP ( why two? ). Seems to me XXXX paid my property tax and XXXX XXXX also claims they paid the tax. Someone owes me property tax as it was paid twice. And seems XXXX owes me {$210.00} for double payment of FHA MIP, and probably owe me more money that I'm not understanding as they make everything complicated. They've dragged their feet by not finding my account ; I provided info ; they emailed me today that my account is closed and they're not doing anything further. This is unacceptable! For all I know, they kept my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: NH
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:
Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.

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