BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been charging me interest on my unpaid medical bill and its decreasing my credit score every month. They have not sent me a bill, and I only found out about them because I looked up my credit score. When I called on XX/XX/2020 at XXXX the representative informed me that there is a 10 % interest on my account. I have never agreed/signed any contract regarding the interest and I believe they are violating the Fair Debt Collection Practices Act which states that a collector may only charge interest and fees as they were outlined in the original contract. seeing that it was a medical bill, it never had an interest or fees agreement. The representative told me someone will call me and i also e-mailed them, so far no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: UMPQUA HOLDINGS CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
I stared my mortgage forbearance payments on XXXX, i tried reaching out to my mortgage company to resume payments, which ever i wasnt able to this was on early XXXX, as I seen the interest rate drop i had a refinance team look in to my mortgage account and said i was able to refinance, all processed 1 week before closing my refinance my mortgage decided to take me off the payment forbearance plan and report to my loan as 180 days late, that dropped my credit score over 160 points, my refinance team advance me to try and work with my mortgage company which i did and their reasons for all this is that they tried getting contact me and where not able to, i asked if tha could work with me and removed me from being delinquent but they are not willing to work with me, i even asked if i pay the amount you reported me late which is XXXX something and the representative said there was no way i would have to pay the whole amount of XXXX. I dont understand why are they being so difficult, i have until the end of this month if im not able to get my mortgage loan to remove or work with me on this issue i wont be able to refinance nor pay my past due.

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 2018-03-06
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: MO
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:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe XXXX. None of the info is mine. I thought is was Equifax and notified them. I got a confirmation number XXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with Equifax. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to XXXX. In addition my home insurance is slightly higher as they use this incorrect info too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: KY
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:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017,  and that you were listed as a potential victim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I disputed the validity of the bankruptcy information being on my credit reports with XXXX, XXXX and Experian. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my XXXX XXXX on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. XXXX XX/XX/2018 I received a letter from XXXX   saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove 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 explanation
Consumer complaint received 2019-05-29
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was given a title loan of XXXX on a cash car that is valued at XXXX. The intrest rate, which was not discussed with me at the time I signed the loan is 400 % which makes the loan amount I must payback 3 times as much as the car. This is a subprime loan and they are trying to steal my car by proxy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2018-07-05
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Recently I went to a free standing wells Fargo atm located on the other end of town related to where bank is. I have been a member of wells Fargo for many years to include a mortgage and even my sons recent teen account. After my experience I'm a drastically reconsidering this. I made a cash deposit of XXXX, the atm started having issues within a minute of deposit, and said the machine had jammed. Enter your deposit amt or best guess. I entered XXXX. The next day my funds were available. Yesterday in logging on to my account I noted a/an XXXX atm adjustment. Deducting XXXX from my account. I called and spent nearly 45 minutes getting passed around. Finally speaking to XXXX supervisor and the a XXXX XXXX in executive relations neither which could assist me. Rather they said I had to call atm acquisition department. Stating could take up to 10 business days to resolve matter. I expected more from my bank. I work hard for every dime I make and deposit into said bank.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: CA
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 sent experian, XXXX a total of five disputes now, all sent certified mail with receipts. They have failed to do a proper investigation into these accounts. They keep sending me papers saying either " UPDATED '' or " VERIFIED '', i have asked multiple times to send me proof of how they verified these wrongful accounts and they ignore me. per the FCRA they must send me proof of verification including who they talked to when how and documents that support these claims. i have now sent them a last letter telling them i will be seeking legal action if they dont fix these items or show me proof of how they are verifying these accounts, i know they cant be actually verified because these supposed accounts wont even speak to me since my ssn doesn't match any records they have on file. they are now claiming they will not re investigate without any further documentation that supports my case. How am i supposed to send them anything or proof of my case if i never had any accounts with them! i haven't missed any payments on any of my other accounts now my credit is taking a false hit! totally unacceptable.

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 2018-09-12
Company: Westlake Services, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.

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 2017-09-23
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Absolute Recovery Services, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.

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 2021-03-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Resolution Services Balance {$100.00} In my transcript from the collection agency ARS, they did not include my HIPAA Disclosure. You have violated my HIPAA rights and I demand you remove this from my credit report. I will take the necessary legal actions if this is not removed 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.

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 2017-08-05
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 enough information to verify debt

Complaint:
No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Between XX/XX/2020 and XX/XX/2020 I was laid off from work due to COVID I called the credit company and asked them to note I was effected by COVID and may be unable to.make.even minimum payments until I find work or go back to work. It was noted that my file was effected by a natural disaster and wouldn't effect my credit score. Now I look and I have 5 months of missed payments effect my credit score.

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 2017-08-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I submitted a complaint against Chase bank in regards to fraudulent activity done on my account. On XX/XX/XXXX I received a letter from Chase in response to my complaint. In the letter it states that on XX/XX/XXXX, 9 checks for {$4200.00} were deposited into my checking account ending in XXXX. Those 9 checks were deposited fraudulently in XXXX XXXX XXXX in XXXX XXXX, IL. In turn those checks were returned and subtracted from account balance but not after funds were already taken out from that account to a Company named XXXX XXXX XXXX, in XXXX, IL. Along with these fraudulent deposits these persons had full access to my account online and they were able to transfer funds from my other accounts ( {$1600.00} ) and do ATM withdrawals. According to Chase in their letter I was denied this claim due to fact that they state that i was monitoring my account online during the time of the transactions had occurred and that I did n't immediately notify Chase to the fraudulent activity. When I originally filed the complaint I did n't go into much details, and only received one phone call from Chase and it was only to inform me that they were in receipt of my complaint and that they were working on it. But not once was I contacted to verify these facts they so called found in their investigation to explain what in reality had happened, I was in constant communication with Chase from the moment I found out such activity was being done in my account. I spent 2 full weeks going daily to the local branch trying to resolve this issue for Chase to come with this XXXX letter of explanation without referring to me for confirmation on the occurrence of the events. When I was aware that they had access to account online I called Chase and made them aware of what was happening and they helped me gain access of my account they reset passwords etc. They should have records or recording in regards to all these calls involved in this matter as for they were so many and they went on for 2 weeks straight trying to resolve this matter. I can even tell you the Branch I went to daily and find out the name of the branch manager that tried to help in this matter. I am willing to submit all the documentation I can find of the proof that I did go to Chase immediately to report the fraud on my account.

Company response to consumer: Closed with explanation