BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Greetings! 

I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
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: Account information incorrect

Complaint:
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T Servicing is not sending any mortgage statements. Their online portal also does not contain any mortgage statements. I emailed them through their portal to demand that they issue me my mortgage statements and they have not done so.

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 2020-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX XXXX l made contact with Toyota Financial Services Administration and spoke with a representative in regards of cancellation on my Gap insurance and Extended Maintenance Service. 
Toyota Financial Services representative stated that Gap insurance was cancelled, and he told me that l had to send him a fax on my Gap cancellation fax number XXXX. 
I told rep, that I sill send the fax, but l opted to send my written cancellation by email to XXXX XXXX dealership Finance Manager Mr.XXXX  and l did email him on my cancellation with vehicle vin number and recent mileage on Vehicle in mileage is XXXX. 
Toyota Financial Services stated that they was charging me {$50.00} for Gap insurance cancellation and l was going to receive only {$900.00} instead of {$1000.00} in refund. 

Also, l respectfully requested cancellation of Extended Maintenance Service with XXXX third party XXXX XXXX XXXX, their representative has told me on pre.recorded phone conversation that l had to contact XXXX California XXXX dealership Finance department to cancel the extended Maintenance Service on my vehicle. 
I did made contact with Mr.XXXX  in the Finance Department and he hasn't responded my email on my cancellations. 
Extended Maintenance Service is {$1000.00} and there is another XXXX fee to cancel. 

I sent emails to XXXX XXXX Customer Service Ms.XXXX XXXX   and Customer Relations Director Ms.XXXX  XXXX, and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CCS Financial Services, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX  to have XXXX  work done on XX/XX/2018. They had me wait for the doctors approval and the insurance to be approved. I know this because I was waiting in the procedure room ( not the waiting room ) and the doctor came in numerous times to inform me they were still waiting for the approval. This took approximately 90 minutes. The XXXX  work was performed and I left the establishment. Weeks later I received a {$810.00} bill for the XXXX  work that was performed. I immediately called my insurance company and XXXX XXXX. My insurance company informed me that they did not ok the procedure and do not except XXXX XXXX bills. XXXX XXXX  informed me that since my insurance did not cover the procedure I was responsible for the bill. I have written numerous letters explaining my situation to both XXXX, my insurance company and the collection agency with no response except from my insurance agency which told me XXXX should have never excepted my insurance. 
This sounds like entrapment or fraud or both. Why would they make me wait 90 minutes to get the approval of my doctor and my insurance company then turn around and have it denied? Why would I be responsible for their mistake by excepting my insurance? This bill is now in the hands of CCS ( Credit Collect Services ) and has effected my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a collection notice dated XX/XX/XXXX from IC System for a delinquent XXXX  account in the amount of {$470.00}. The notice stated in part, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt ... this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. '' Having no knowledge of the debt, and knowing my XXXX  account is in good standing, I wrote to IC System and XXXX on XX/XX/XXXX informing them I have no knowledge of the debt, that I was disputing the validity of the debt and asked them to provide copies of all purported unpaid XXXX  bills for me to examine and verify their validity. '' I sent the letters to XXXX & IC System certified mail and received USPS confirmation of their delivery on XX/XX/XXXX & XX/XX/XXXX respectively. Neither business wrote back. 

On XX/XX/XXXX, I sent a second letter to XXXX & IC System saying I never received a reply to my first letter and asking yet again for proof of the debt. Again, I sent the letters certified mail and received USPS proof of delivery. Instead of sending me proof of the debt, IC System reported this unsubstantiated debt to the credit bureaus, TWO DAYS AFTER receiving my second letter. An account was created on my credit file as " charge off '' and is now is now showing as a derogatory account on my report and negatively impacting my 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 2019-02-23
Company: Global Portfolio Recovery, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. A few years ago they started sending me letters and calling me about a previous debt, now from over 15 years ago, that I did pay off. In their letters to me, they gave a website and postal address to let them know to stop contacting me. I used the online method first, got a response that I would not hear from them again. About a year later, started receiving letters, wrote them a letter that time, again received a response they would no longer contact me. That was about 3 years ago, have not heard anything. Threw out their letters months ago. Now the letters have started again. Called their XXXX #, talked to an XXXX ( she refused to spell it ) XXXX. She said she would stop the harassment, I obviously do not believe her. I want this to stop immediately with no other contact with me again.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this card from navy federal had been fraudulantly obtained in my name and this reporting on all of my credit reports has been causing me undue problems with my finances i never applied for this card nor did I spend XXXX XXXX  of the said credit account. the card was obtained in late 2020 a a covid year a year in which I had no reason to apply for a credit card.this is a direct consumer violation of 15 USC 1681 a ( q ) ( 3 ) IDENTITY THEFT similiar to REG V 12 CFR 1022.3

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 2019-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
USAA bank reported us late payment in XXXX and XX/XX/2018 because while they were investigating an interest rate reduction dispute we were advised to pay what we could while active investigation going on. USAA corrected their error of raising our interest rate and monthly min payments when they found the mistake to be on their end, however, they failed to correct the credit reporting they did. We paid as their representatives advised us to, we did not miss payments as they investigated their mistake ( which took 6 months ), but could not afford the sudden dramatic increase that was not supposed to happen due to the program we were under. USAA inaccurately reported as the mistake was on their end and the advice on how to make monthly payments was on their end. We were told to submit dispute forms - we did. However, the person failed to read our forms and do the full investigation and reported our dispute as " irrelvent ''. I have attempted to leave messages on his voicemail repeatedly, but he will not return calls ( Mr. XXXX XXXX ). I have called the USAA customer service line to get a hold of someone in the dispute resolutions team, however, not one representative knows who to connect me to ( but they manage to repeatedly place me on hold for over 47 min at min each time I call ) and they just send me to dispute resolution for credit cards - who only tells me they can not help me because my accounts are not in default. In other words, I submitted 4 disputes for credit reporting to USAA and 1 to Mr. XXXX directly with a 2 page explanation and not one person has called me back to correct or even discuss the issue. I just sent out letter of complaint to NCUA and Im now turning to credit bureaus to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account has no proof of sending me my funds and I have not received the check for XXXX. They said they expedite the money but only the saving account amount was sent without the checking. The savings was XXXX dollars and some change. They made decision to mail the checking account via XXXX but they have no proof they sent it at all. 

I have not received it they are stalling me. The said if the check was returned then they could resubmit or it would take 120 to issue a new check. 

They are keeping my money for as long as they can. Please help me. 

XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Dovenmuehle Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mistakes and delays in issuing escrow refund for paid-off mortgage loan. 

This servicer sent our mortgage escrow refund to the wrong address, then stated we needed to wait 30 days to reissue the check. After 30 days, they claimed we needed to submit a change of address form via fax or mail. It then took over a week and 2 faxes and an email to get the address corrected. 

After this was finally accomplished, they stated a new check would be issued in XXXX days. After 10 days had passed without reissue of the check, Dovenmuehle Mortgage 's reps and supervisors offered various excuses including " mail '', address changes, " process '' etc. 
We have waited 2 months for the return of this money and have made 9 phone calls, 2 faxes, 1 email over the past month on the matter. 
They still claim the refund is " processing ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a phone call from someone saying my XXXX XXXX account was overdue, {$490.00}. They said a truck was on its was to turn off my service. They said I could pay online with Zelle. I told them I wanted to use my credit card, they said it was not possible to use a credit card. 
I setup a Zelle account with them, I sent out {$490.00} and they said, it did not go through please send out {$490.00} and tomorrow morning they will refund your {$490.00}. 

First payment : Conf # XXXX ; XXXX, XXXX {$490.00} Second payment : Conf # XXXX  ; Fc, XXXX {$490.00} Phone number they called from : XXXX Phone number money went to : XXXX The next day I called XXXX to see about my refund for {$490.00}. The XXXX representative said they never call for money or would they turn off the service. They suggested I call my bank and the police department. 

I called my bank XXXX  XXXX XXXX they investigated they said the money went to XXXX XXXX. They said they were not able to help me. 
My claim # with XXXX is XXXX I filled out a police report with the XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: WA
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:
this account, " XXXX XXXX XXXX XXXX  '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX Balance Owed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
EQUIFAX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 Inc. has put limitations on my Paypal account/wallet 3 times in 6 weeks. Each time they are asking for the same information, A photo Copy of my ID, and receipts from my vendors for items which I have sold. Each time I have submitted the same information and they have lifted the limitations after around 7 days. During this time I have been trying to transfer my funds from my Paypal account into my linked personal bank account to pay bills. On XX/XX/2020 after my account limitations were lifted I tried to transfer funds. Paypal put a hold on the transfer and then the same day they had lifted the limitations, they limited them again and denied my transfer! They are now asking for the exact same information I have already submitted multiple times, which resulted in a 7 day wait and ultimately a lift on the limitations and then another limitation being placed as soon as I try to access my funds. I have reached out to Paypal in a chat, which is the only way you can communicate with them right now. Paypal has refused to have someone look into my account and will only tell me to keep submitting what they ask for. Which is getting me nowhere. I am afraid they are doing this to many others and at a time like this there is no excuse for withholding their account holders money. Please look into this so I can pay my family 's bills. Thanks, XXXX XXXX ID - XXXX, Reference ID - XXXX, Reference ID XXXX

Company response to consumer: Closed with non-monetary relief