BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was sent a letter stating I authroized payments and instead it was masked to hide a collection of Debt. I have no knowledge of this as it is not owed the car was totaled and this was almost 10 years ago. This seemed like a deceiving letter as if I authorized payments to an account that and not stated its a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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 have sent multiple disputes to both Equifax, XXXX and XXXX in which XXXX and Equifax are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I signed up for Capital One XXXX card because it had 0 $ annual fees. Now I got a payment scheduled for 29 $ for " Capital One membership fees ''. I called customer service and they didn't have an explanation what this fee is for since the website explicitly declares the credit card as 0 $ annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Paypal Holdings, Inc
State: NC
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 has denied access to my account with funds in it and has been slow at " closing the account down ''. This has been delayed since early XXXX. It's almost been 2 months and I still do not have access to the funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: IN
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 have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-02-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: FL
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 I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX  it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, XXXX, and Experian credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, XXXX, and Experian.

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: 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: Information belongs to someone else

Complaint:
A collection/debt appeared on my Experian Credit report,   XXXX   XXXX   ** XXXX ** it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously owed money to two banks in 2016 ..I previously paid both accounts in FULL ..I have tried to previously open a new bank account in which I have been denied numerous times ..why would anyone try and do the right thing 4 years later and try and clear up the debt if your still not going to be able to open an account once the debt has been paid? One account actually claims there was suspected Fraud which in inaccurate to say the least! Why arent these two banks removed from the XXXX if they have been paid in full?

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received correspondence from Bank of America only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a Bank of America Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection

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 2020-08-01
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I obtained a cashiers check from XXXX XXXX XXXX for {$700.00} to pay my mortgage payment to Mr. Cooper for the month of XXXX. {$690.00} was the payment with an additional {$7.00} to be added to principal. I mailed this check via certified mail with signature confirmation. On XX/XX/XXXX, the documentation shows the check was delivered and was signed for by a Mr. Cooper employee. Mr. Cooper then lost the check, failed to credit the payment to my account and then failed to inform me of this. 

Suspiciously, I only found out about this because I am refinancing my mortgage to another bank. When I obtained my payoff balance it showed me a month behind. I immediately contacted Mr. Cooper and provided them all of the documentation which includes their signature. Not surprisingly, they claim this documentation is " insufficient '' for them to find the check. ( I am attaching that same documentation to this complaint. 

As a result of this negligence by Mr. Cooper, I have been damaged in numerous ways including out of pocket expenses and damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: IL
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 have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: STATE FARM BANK, FSB
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
House at XXXX XXXX XXXX XXXX TX was financed thru State Farm Bank. 
Mortgage in name of XXXX and XXXX XXXX, loan number XXXX XX/XX/2020 - House sold XXXX XXXX  XXXX, XXXX TX XXXX XX/XX/2020 - Actual date unknown. Received check for return of escrow dated XX/XX/2020 but sent to the XXXX XXXX  XXXX  address. Check issued in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX was deceased. 
XX/XX/2020 - bank refused to cash check without signature of XXXX XXXX. 
XX/XX/2020 I went to State Farm office XXXX XXXX  XXXX XXXX # XXXX XXXX TX. Spoke with XXXX who made copies of XXXX death certificate, the check in question, XXXX will naming XXXX XXXX her sole beneficiary, and a change of address from the XXXX XXXX XXXX  XXXX TX address to XXXX XXXX XXXX XXXX TX XXXX. 
XX/XX/XXXX, XXXX I received letter dated XX/XX/2020 with USPS notification of change of address dated XX/XX/2020 with condolences and notification that XXXX XXXX was removed from the loan. ( The loan which was paid off at the sale on XX/XX/2020. ) The letter provided XXXX as a number to call for further questions. 
That number was called at least twice, likely three times, during this debacle. I left a message with a promise that I would be contacted within 24 hours. I am still waiting. 
XX/XX/2020 responded to above letter of XX/XX/XXXX, advising that they had copies of death certificate, advised new address again and requested re-issue of the check. 
XX/XX/2020 I received letter dated XX/XX/2020 ADDRESSED TO XXXX XXXX XXXX XXXX TEXAS XXXX. Not having the correct address of XXXX XXXX XXXX XXXX TX XXXX causes this correspondence to be severely delayed. This letter advised that they will respond WITHIN 30 days. Gave direct phone number XXXX which is a recording that doesnt produce return calls either. 
XX/XX/2020 -Responded to above letter reiterating comments of XX/XX/XXXX letter. Advised next letter would be to CFPB. 
XX/XX/2020 received letter dated XX/XX/2020 ( ADDRESSED TO XXXX XXXX XXXX XXXX TX AGAIN ) with notice that their review is taking longer and they would need additional time to furnish a response. They will provide a response within 15 BUSIESS DAYS - WHICH IS 21 CALENDAR DAYS ANOTHER THREE WEEKS. 
XX/XX/2020 4 months post sale I still do not have my escrow refund or any cognizant response other than form letters from State Farm Bank.

Company response to consumer: Closed with explanation